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$11,617
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$367/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,097
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,924
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$352/mo
Today · 4.125%
HK$13,622
baseline
▲ 0.50% · 4.625%
HK$14,340
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,244/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,940
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,374
−HK$440/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,716
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,508
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$422/mo
Today · 4.125%
HK$16,346
baseline
▲ 0.50% · 4.625%
HK$17,208
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,692/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,264
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,769
−HK$514/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,566/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,093
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,578
−HK$493/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,076
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$661/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,352/mo
Deposit HK$509K · loan HK$4.59M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$633/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,293/mo
Deposit HK$509K · loan HK$4.59M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,628 · 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).