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$11,650
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,134
+HK$754/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$352/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$721/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,980
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$441/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$424/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,310
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$515/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,144
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$494/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,133
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$663/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$635/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$25,885
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,953 · 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).