The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,589
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,950
−HK$366/mo
Today · 4.125%
HK$12,316
baseline
▲ 0.50% · 4.625%
HK$13,066
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,632/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,893
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$351/mo
Today · 4.125%
HK$13,590
baseline
▲ 0.50% · 4.625%
HK$14,306
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,180/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,907
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$439/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,558/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,472
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$421/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,616/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,225
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,730
−HK$513/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,292
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$491/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,028
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$659/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,518
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$631/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,290/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,356 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).