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$11,614
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$367/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$13,093
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,920
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$352/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$717/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,238/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,937
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,370
−HK$441/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,622/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,505
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,920
−HK$422/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$514/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,089
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$492/mo
Today · 4.125%
HK$19,066
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,132/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$661/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,352/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,881
−HK$632/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,600 · 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).