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$11,587
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$366/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$749/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,626/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,890
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,236
−HK$350/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,172/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,904
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$440/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$899/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,552/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,468
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$421/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$859/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,608/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,221
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$513/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,287
+HK$1,048/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$491/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,003/mo
Deposit HK$1.52M · loan HK$3.56M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,856
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$659/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,348/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$632/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,289/mo
Deposit HK$508K · loan HK$4.57M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,330 · 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).