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$11,912
−HK$365/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$113,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,852
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$349/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$113,991 · 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$15,629
+HK$897/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$113,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$420/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$856/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,512/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,173
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$512/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,475
−HK$490/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$999/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,991 · 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$23,443
+HK$1,345/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$113,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$629/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,286/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$113,991 · 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).