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$11,579
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$366/mo
Today · 4.125%
HK$12,305
baseline
▲ 0.50% · 4.625%
HK$13,054
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,610/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,227
−HK$350/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$716/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,895
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$439/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$898/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,532/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$421/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$858/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,210
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$512/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,454/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$491/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,002/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$38,016/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$659/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,347/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$631/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,288/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,252 · 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).