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$11,596
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$367/mo
Today · 4.125%
HK$12,323
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,646/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,900
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$351/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,314
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,194/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,915
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$440/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,480
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$422/mo
Today · 4.125%
HK$16,317
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,634/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,234
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$513/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,060
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$491/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$659/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$632/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,290/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,420 · 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).