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$11,598
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$367/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$351/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,918
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,351
−HK$440/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,691
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,582/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$421/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,640/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,238
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,743
−HK$513/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,512/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$491/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$660/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$632/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,290/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,444 · 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).