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$11,641
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$368/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,742/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,950
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,298
−HK$352/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,969
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$441/mo
Today · 4.125%
HK$14,845
baseline
▲ 0.50% · 4.625%
HK$15,748
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,690/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,541
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,957
−HK$423/mo
Today · 4.125%
HK$16,380
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,760/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$515/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,131
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$493/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$662/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,355/mo
Deposit HK$511K · loan HK$4.59M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,936
−HK$634/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$25,865
+HK$1,295/mo
Deposit HK$511K · loan HK$4.59M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,866 · 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).