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$11,651
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$369/mo
Today · 4.125%
HK$12,382
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,764/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,962
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$353/mo
Today · 4.125%
HK$13,662
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,324/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$442/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,971
−HK$423/mo
Today · 4.125%
HK$16,394
baseline
▲ 0.50% · 4.625%
HK$17,258
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,788/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,311
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$515/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$494/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,135
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$663/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$634/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,964 · 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).