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$11,606
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$367/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$751/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,668/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,912
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$351/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$718/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$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,927
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$440/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,602/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,494
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$421/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$514/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$492/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$660/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$632/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,523 · 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).