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$11,599
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$366/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,904
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$351/mo
Today · 4.125%
HK$13,601
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,202/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,919
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$439/mo
Today · 4.125%
HK$14,791
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$901/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,582/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$421/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,642/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,238
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$513/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,307
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,514/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,065
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$491/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$660/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$632/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,450 · 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).