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$11,605
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$366/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$751/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$352/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,926
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$440/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$900/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,908
−HK$421/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,658/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,247
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$513/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$492/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$660/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$632/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,508 · 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).