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$11,603
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$367/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,662/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$351/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,212/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,924
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$440/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,594/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,490
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$421/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,245
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$513/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$491/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,536
−HK$660/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$632/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,495 · 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).