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$11,635
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$367/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,117
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,944
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$352/mo
Today · 4.125%
HK$13,643
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,286/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$441/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$422/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,289
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$515/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$493/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,107
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$662/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$634/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,805 · 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).