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$11,571
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$366/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,594/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,873
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$350/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,136/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$439/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,654
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$420/mo
Today · 4.125%
HK$16,282
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,564/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$512/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$491/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,828
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$658/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,347/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$630/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,288/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,178 · 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).