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$11,642
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,952
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$353/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,371
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,971
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$442/mo
Today · 4.125%
HK$14,847
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,694/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$423/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,299
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$516/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$494/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,956
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$663/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,355/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$634/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,296/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,880 · 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).