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$11,561
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$365/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$748/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,862
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$350/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$714/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,114/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,305
−HK$439/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,641
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$420/mo
Today · 4.125%
HK$16,268
baseline
▲ 0.50% · 4.625%
HK$17,126
+HK$858/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,536/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,690
−HK$511/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$1,047/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$490/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$658/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,461
+HK$1,345/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$629/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,287/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$114,081 · 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).