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$11,557
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$365/mo
Today · 4.125%
HK$12,282
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,564/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$350/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,869
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,300
−HK$438/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,429
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$420/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,180
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$512/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$489/mo
Today · 4.125%
HK$18,972
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,944/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$657/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$629/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,038 · 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).