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$11,605
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$367/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$13,084
+HK$751/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,666/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,911
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$352/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,218/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,927
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$440/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,700
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,493
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$421/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,248
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$514/mo
Today · 4.125%
HK$17,267
baseline
▲ 0.50% · 4.625%
HK$18,317
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,534/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$492/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,104/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,890
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$660/mo
Today · 4.125%
HK$22,200
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,400/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$632/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,516 · 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).