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$11,578
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$366/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,608/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,880
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$350/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,152/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,894
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$439/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,663
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,530/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,871
−HK$421/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,150
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$513/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$491/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,009
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$658/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$630/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,244 · 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).