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$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,600/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$350/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$439/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$420/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$512/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,027
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$491/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$658/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$630/mo
Today · 4.125%
HK$24,429
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,858/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,207 · 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).