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$11,553
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$365/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,556/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$349/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,094/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,864
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$438/mo
Today · 4.125%
HK$14,733
baseline
▲ 0.50% · 4.625%
HK$15,630
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,466/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,423
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$420/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,514/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,175
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,678
−HK$511/mo
Today · 4.125%
HK$17,189
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,378/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$489/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$657/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$629/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,000 · 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).