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$11,639
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$368/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$353/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,967
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$442/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,538
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,955
−HK$422/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,295
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,801
−HK$515/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,614
−HK$493/mo
Today · 4.125%
HK$19,107
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,214/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$662/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,619
+HK$1,355/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,307
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,932
−HK$634/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,846 · 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).