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$11,543
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$364/mo
Today · 4.125%
HK$12,267
baseline
▲ 0.50% · 4.625%
HK$13,014
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,534/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,186
−HK$350/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$713/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,072/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,852
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$438/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,617
+HK$896/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$29,442/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,824
−HK$419/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$856/mo
Deposit HK$2.02M · loan HK$3.04M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,161
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$510/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$489/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$19,949
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,900/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$656/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,116
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$628/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,285/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,903 · 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).