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$11,610
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$367/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$13,089
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,676/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$351/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,332
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,228/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$440/mo
Today · 4.125%
HK$14,806
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,612/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,500
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$422/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,198
+HK$861/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$514/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,083
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$492/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,065
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$660/mo
Today · 4.125%
HK$22,209
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,418/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$633/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,563 · 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).