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$11,597
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$367/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$351/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$439/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,688
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$422/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,235
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$513/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,506/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$491/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,874
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$660/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,349/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$631/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,427 · 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).