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$11,588
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$366/mo
Today · 4.125%
HK$12,315
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,630/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,238
−HK$350/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,176/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,906
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$439/mo
Today · 4.125%
HK$14,778
baseline
▲ 0.50% · 4.625%
HK$15,677
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,556/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,885
−HK$421/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,612/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,224
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$513/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,290
+HK$1,049/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$491/mo
Today · 4.125%
HK$19,024
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,048/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$659/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,349/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$631/mo
Today · 4.125%
HK$24,459
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,918/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,347 · 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).