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$11,654
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$368/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$353/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,984
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$442/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$905/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,558
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,975
−HK$423/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,823
−HK$515/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$494/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$663/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,648
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,336
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$635/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,991 · 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).