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$11,559
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$365/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$748/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,860
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,204
−HK$350/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$715/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,303
−HK$438/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$420/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,530/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$512/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$490/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$658/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,147
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$630/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,286/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,060 · 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).