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$11,582
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$366/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,616/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,885
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$351/mo
Today · 4.125%
HK$13,581
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,162/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$440/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,540/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,461
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$421/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$512/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,038
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$491/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,847
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$659/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$631/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,281 · 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).