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$11,653
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$369/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$753/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,964
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$353/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,983
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$442/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$905/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,974
−HK$423/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,261
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,314
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$515/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$494/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$663/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$634/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,983 · 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).