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$11,626
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$367/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,710/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,934
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$351/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,351
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,264/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,951
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$441/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,652/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$422/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,718/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,276
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$514/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$492/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$661/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$633/mo
Today · 4.125%
HK$24,538
baseline
▲ 0.50% · 4.625%
HK$25,832
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,076/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,717 · 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).