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$11,572
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$366/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,596/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,874
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$350/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$715/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,138/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$439/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$898/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$420/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,506
−HK$491/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$19,998
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$659/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,346/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,172
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$630/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,288/mo
Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,184 · 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).