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$13,084
+HK$750/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$114,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,911
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$351/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$114,518 · 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$15,701
+HK$901/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$114,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,494
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$422/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$860/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$114,518 · 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$18,318
+HK$1,051/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$114,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$491/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,005/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$114,518 · 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$114,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$632/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,518 · 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).