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$11,623
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$367/mo
Today · 4.125%
HK$12,351
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,702/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$352/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,947
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$441/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$422/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$514/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,102
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$492/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$662/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,352/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,274
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$633/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,684 · 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).