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$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,600/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$350/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,142/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$438/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,658
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$421/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,572/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$512/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$491/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,001/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$658/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$630/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,203 · 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).