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$11,642
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$368/mo
Today · 4.125%
HK$12,372
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,744/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,951
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$352/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,970
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$441/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,692/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$422/mo
Today · 4.125%
HK$16,381
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,762/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$515/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$494/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,955
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$662/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,355/mo
Deposit HK$511K · loan HK$4.59M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$634/mo
Today · 4.125%
HK$24,572
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,295/mo
Deposit HK$511K · loan HK$4.59M · min. income ≈ HK$49,144/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,874 · 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).