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$11,629
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$367/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,716/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$352/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,272/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,955
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,389
−HK$441/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,941
−HK$422/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,281
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$515/mo
Today · 4.125%
HK$17,302
baseline
▲ 0.50% · 4.625%
HK$18,354
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,604/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,112
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$493/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,097
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$662/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$634/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,747 · 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).