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$11,644
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$368/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,748/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,954
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$353/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,308/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$441/mo
Today · 4.125%
HK$14,849
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,698/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,545
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,962
−HK$423/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,248
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$515/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$493/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$663/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$635/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,295/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,897 · 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).