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$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,848
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$350/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,256
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,086/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,859
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$438/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,832
−HK$419/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$511/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,228
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,988
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,470
−HK$490/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$999/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,435
−HK$657/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,345/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,127
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$630/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,285/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,960 · 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).