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$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$352/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$717/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$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,932
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$441/mo
Today · 4.125%
HK$14,806
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,612/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,499
−HK$838/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$3.05M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$513/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$492/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$661/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$114,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$633/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,560 · 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).