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$11,542
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$365/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,532/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,840
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$349/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,068/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,851
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$438/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$896/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,409
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,822
−HK$419/mo
Today · 4.125%
HK$16,241
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,482/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$510/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,977
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$489/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$19,947
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$657/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,343/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$629/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,284/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,890 · 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).