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$11,609
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,970
−HK$367/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,674/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,915
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$351/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,931
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$440/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,706
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,610/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,914
−HK$422/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,672/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,253
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$513/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$492/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$660/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,558
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,871
−HK$632/mo
Today · 4.125%
HK$24,503
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,006/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,554 · 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).