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$11,622
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$367/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,700/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,929
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$351/mo
Today · 4.125%
HK$13,627
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,254/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,946
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,380
−HK$441/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,642/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,515
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$422/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$515/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,343
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,582/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,101
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$492/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,084
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,156/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,570
−HK$661/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,352/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$633/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,293/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,675 · 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).