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$11,633
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$367/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$353/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,360
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,959
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$441/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,670/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,530
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,946
−HK$423/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,286
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,793
−HK$514/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,118
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$493/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,939
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$662/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,606
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,294
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,919
−HK$634/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,785 · 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).