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$11,618
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$367/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,694/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$352/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,942
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$440/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,632/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,510
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$422/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,210
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,266
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$514/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,095
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$492/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,913
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$661/mo
Today · 4.125%
HK$22,224
baseline
▲ 0.50% · 4.625%
HK$23,577
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,448/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,265
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,889
−HK$633/mo
Today · 4.125%
HK$24,522
baseline
▲ 0.50% · 4.625%
HK$25,815
+HK$1,293/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,044/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,642 · 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).