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$11,598
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$367/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,650/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,902
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$351/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,198/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,917
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$440/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,580/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$421/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,179
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,237
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$513/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,305
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$492/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,042
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,876
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$660/mo
Today · 4.125%
HK$22,185
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,349/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,370/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,847
−HK$632/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,290/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,437 · 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).