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$11,545
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,904
−HK$365/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,538/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,843
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$349/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,074/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,853
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$438/mo
Today · 4.125%
HK$14,722
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,444/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,825
−HK$420/mo
Today · 4.125%
HK$16,245
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$856/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,490/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,162
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$511/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,352/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$489/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,427
−HK$656/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$629/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,284/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,914 · 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).