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$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,885
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$350/mo
Today · 4.125%
HK$13,581
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$716/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$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,331
−HK$439/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,669
+HK$899/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$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,462
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,877
−HK$420/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$860/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$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$513/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,464/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$491/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$659/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$631/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,286 · 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).