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$11,549
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$365/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,546/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,848
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$350/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,256
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,084/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$438/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,417
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$419/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,168
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,671
−HK$511/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$489/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$19,958
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,916/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$629/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,285/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,954 · 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).