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$11,643
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,953
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$353/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$441/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,696/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$423/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$515/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$493/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$662/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,627
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,315
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$634/mo
Today · 4.125%
HK$24,575
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,295/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,150/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,888 · 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).