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$730/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$368/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,117
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,730/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,807 · 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$114,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$442/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,533
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$423/mo
Today · 4.125%
HK$16,372
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,744/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,289
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,796
−HK$515/mo
Today · 4.125%
HK$17,311
baseline
▲ 0.50% · 4.625%
HK$18,364
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,622/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,807 · 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$114,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$661/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,355/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$114,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$634/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,807 · 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).