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$11,613
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$367/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$13,092
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,682/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$351/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,936
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$440/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$422/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$861/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,258
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$514/mo
Today · 4.125%
HK$17,278
baseline
▲ 0.50% · 4.625%
HK$18,329
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,556/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,087
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$492/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,554
−HK$660/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,352/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,255
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$633/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,590 · 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).