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$11,634
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$368/mo
Today · 4.125%
HK$12,363
baseline
▲ 0.50% · 4.625%
HK$13,115
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,726/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,942
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$352/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$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,960
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$442/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,738
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,672/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,531
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$423/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$514/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,616/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$493/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$662/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$634/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,792 · 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).