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$11,558
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$365/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,566/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$350/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,870
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$439/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,430
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,844
−HK$420/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,121
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$511/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,243
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,002
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$489/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$657/mo
Today · 4.125%
HK$22,109
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,346/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,218/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$630/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,285/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,049 · 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).