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$11,570
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$365/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$350/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,134/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,884
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,316
−HK$438/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,446
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,860
−HK$420/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,560/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,198
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,702
−HK$512/mo
Today · 4.125%
HK$17,214
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,428/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$490/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$19,995
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$658/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,346/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$630/mo
Today · 4.125%
HK$24,420
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,287/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$48,840/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,164 · 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).