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$11,552
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$366/mo
Today · 4.125%
HK$12,277
baseline
▲ 0.50% · 4.625%
HK$13,024
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,554/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,852
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$350/mo
Today · 4.125%
HK$13,546
baseline
▲ 0.50% · 4.625%
HK$14,260
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,092/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,863
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$438/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$419/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,173
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$511/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$489/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$657/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,344/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$630/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,285/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,989 · 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).