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$11,645
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$369/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$352/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,375
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,974
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$442/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$423/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$516/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$493/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$663/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$634/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,908 · 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).