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$11,648
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$368/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,756/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$352/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,316/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,977
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,412
−HK$442/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$423/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,307
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$516/mo
Today · 4.125%
HK$17,330
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,660/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,141
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$493/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$663/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$635/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,933 · 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).