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$11,591
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$366/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,636/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,895
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$351/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,184/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,910
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,342
−HK$440/mo
Today · 4.125%
HK$14,782
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,564/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,474
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$421/mo
Today · 4.125%
HK$16,310
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,620/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,228
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$513/mo
Today · 4.125%
HK$17,246
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$1,049/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,492/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$491/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,032
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,865
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$659/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,349/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,212
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$632/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,289/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,377 · 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).