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$11,556
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$365/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,856
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$350/mo
Today · 4.125%
HK$13,551
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,102/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$438/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$420/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,179
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$511/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,999
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$490/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$658/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$629/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,029 · 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).