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$11,552
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$365/mo
Today · 4.125%
HK$12,276
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,552/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,851
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$349/mo
Today · 4.125%
HK$13,545
baseline
▲ 0.50% · 4.625%
HK$14,259
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,090/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,862
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$438/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,462/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,835
−HK$419/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$511/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,991
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$489/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,926/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$658/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,344/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$629/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,983 · 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).