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$11,627
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$368/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,935
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$352/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,268/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,952
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,386
−HK$441/mo
Today · 4.125%
HK$14,827
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,654/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,522
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,938
−HK$422/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,720/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$514/mo
Today · 4.125%
HK$17,298
baseline
▲ 0.50% · 4.625%
HK$18,351
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,596/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$493/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$662/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$633/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,726 · 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).