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$11,649
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,011
−HK$369/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,959
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$353/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,979
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$441/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,710/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,968
−HK$423/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,256
+HK$865/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$515/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$493/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$663/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$634/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,945 · 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).