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$11,651
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$368/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$754/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,762/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,961
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$352/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$721/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$441/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$905/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,714/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$423/mo
Today · 4.125%
HK$16,394
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,788/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,311
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$516/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$494/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$663/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$635/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,961 · 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).