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$11,547
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$365/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$747/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$349/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$437/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$896/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,450/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$419/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$1,045/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$489/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$999/mo
Deposit HK$1.52M · loan HK$3.54M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$657/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,344/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$629/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,285/mo
Deposit HK$506K · loan HK$4.56M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,939 · 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).