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$114,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$353/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$114,931 · 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$15,757
+HK$903/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$114,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,549
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$423/mo
Today · 4.125%
HK$16,389
baseline
▲ 0.50% · 4.625%
HK$17,253
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,778/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,307
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$515/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,931 · 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$114,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$662/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$634/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,931 · 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).