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$11,645
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$368/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,750/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,954
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$352/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,308/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$442/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$423/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$516/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,650/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$493/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$663/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$635/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,295/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,901 · 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).