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$11,614
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$367/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$13,093
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,920
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$352/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,236/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,936
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$440/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,620/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,504
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$422/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,203
+HK$861/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$514/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$492/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$660/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,352/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$632/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,595 · 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).