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$11,550
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$366/mo
Today · 4.125%
HK$12,275
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$746/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$24,550/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$350/mo
Today · 4.125%
HK$13,544
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$714/mo
Deposit HK$2.53M · loan HK$2.53M · min. income ≈ HK$27,088/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,860
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$438/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$897/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$29,458/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,419
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$419/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$857/mo
Deposit HK$2.03M · loan HK$3.04M · min. income ≈ HK$32,504/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,170
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,673
−HK$511/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$1,046/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$489/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,000/mo
Deposit HK$1.52M · loan HK$3.55M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$657/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,344/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$630/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$507K · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$621K (deposit + AVD stamp duty HK$113,970 · 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).