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$11,628
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$368/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$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$351/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,954
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,388
−HK$441/mo
Today · 4.125%
HK$14,829
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,658/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,524
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,940
−HK$423/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$862/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$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,280
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$515/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,111
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$493/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$662/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$634/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$25,838
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,742 · 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).