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$11,612
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$367/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$750/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,682/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$352/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$717/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,935
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$441/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,502
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$422/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$861/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,763
−HK$514/mo
Today · 4.125%
HK$17,277
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$34,554/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$492/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.56M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,902
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$661/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,352/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$633/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,292/mo
Deposit HK$509K · loan HK$4.58M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,583 · 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).