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$11,612
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$367/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,680/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,918
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$351/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,232/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,934
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$440/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$422/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$861/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$514/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$492/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$660/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,352/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$633/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,578 · 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).