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$11,565
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$366/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$747/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,582/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$351/mo
Today · 4.125%
HK$13,562
baseline
▲ 0.50% · 4.625%
HK$14,276
+HK$714/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,124/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$439/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$420/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$512/mo
Today · 4.125%
HK$17,207
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,414/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,013
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$490/mo
Today · 4.125%
HK$18,986
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,972/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$658/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$630/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,120 · 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).