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$11,593
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$366/mo
Today · 4.125%
HK$12,320
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$750/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$24,640/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,897
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$351/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$717/mo
Deposit HK$2.54M · loan HK$2.54M · min. income ≈ HK$27,188/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,912
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$439/mo
Today · 4.125%
HK$14,784
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$900/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$29,568/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,477
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$421/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$860/mo
Deposit HK$2.03M · loan HK$3.05M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$513/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$1,050/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,496/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$492/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,003/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$659/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,526
+HK$1,350/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$631/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,290/mo
Deposit HK$508K · loan HK$4.58M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$114,394 · 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).