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$11,585
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$366/mo
Today · 4.125%
HK$12,311
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,622/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,888
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$350/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,168/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$440/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,548/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$420/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,161
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$513/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,043
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$491/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$659/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,509
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$631/mo
Today · 4.125%
HK$24,452
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,904/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,313 · 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).