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$11,562
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,922
−HK$365/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,574/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,863
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$350/mo
Today · 4.125%
HK$13,558
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$714/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,116/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,306
−HK$438/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,435
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$420/mo
Today · 4.125%
HK$16,269
baseline
▲ 0.50% · 4.625%
HK$17,127
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,538/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,187
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$512/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$490/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,812
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$658/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$630/mo
Today · 4.125%
HK$24,404
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,808/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,087 · 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).