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$11,652
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$369/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,136
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,766/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,963
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$353/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,326/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$442/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,555
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,972
−HK$424/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$516/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$494/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,973
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$663/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,645
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$635/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,973 · 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).