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$11,645
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$368/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,750/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$353/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,374
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,974
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$442/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$904/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$423/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,303
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,810
−HK$515/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,650/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$493/mo
Today · 4.125%
HK$19,116
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,232/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$662/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$634/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,903 · 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).