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$11,554
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$365/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$13,026
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,558/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,854
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,199
−HK$350/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,263
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,098/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,865
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$438/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,470/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,425
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,839
−HK$419/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,176
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$512/mo
Today · 4.125%
HK$17,191
baseline
▲ 0.50% · 4.625%
HK$18,237
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,382/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,996
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,479
−HK$489/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$657/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$630/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,285/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,012 · 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).