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$11,607
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$367/mo
Today · 4.125%
HK$12,335
baseline
▲ 0.50% · 4.625%
HK$13,086
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,670/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,913
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,259
−HK$351/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,328
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,929
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$440/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$901/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,911
−HK$422/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$860/mo
Deposit HK$2.04M · loan HK$3.05M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,250
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$514/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,078
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$492/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,059
+HK$1,004/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$660/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,351/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$633/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,291/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,532 · 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).