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$11,557
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$365/mo
Today · 4.125%
HK$12,282
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$748/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,564/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$350/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$715/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,869
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$439/mo
Today · 4.125%
HK$14,739
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,478/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,429
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$420/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,526/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,180
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$511/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$490/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$658/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$630/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,041 · 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).