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$728/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$367/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$351/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$440/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,688
+HK$900/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$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$421/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$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,235
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$513/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,506/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$491/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$659/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$632/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,290/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,425 · 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).