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$11,586
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$367/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,626/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$351/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,172/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,903
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$439/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$421/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,220
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$513/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$491/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$660/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$631/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,323 · 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).