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$11,637
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$368/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,946
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$353/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,399
−HK$441/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,535
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$423/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$493/mo
Today · 4.125%
HK$19,104
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,208/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$662/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,355/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,303
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$634/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,827 · 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).