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$13,087
+HK$750/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$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,915
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,261
−HK$351/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,330
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,931
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$440/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,498
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$422/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$861/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$513/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$492/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,896
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$660/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$632/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,548 · 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).