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$11,647
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$368/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,754/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,957
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$353/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,314/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,976
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,411
−HK$442/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,706/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,548
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,965
−HK$423/mo
Today · 4.125%
HK$16,388
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,776/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$515/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$494/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$663/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$634/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$114,923 · 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).