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$11,591
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$366/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,634/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$351/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,308
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,909
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$440/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,562/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,227
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$512/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,294
+HK$1,050/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,536
−HK$492/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$659/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,350/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,210
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$632/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,290/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,369 · 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).