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$11,640
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,002
−HK$368/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,740/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,949
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$353/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,298/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,968
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,402
−HK$442/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,747
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,688/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,539
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$422/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,296
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,803
−HK$515/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,371
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,615
−HK$493/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$662/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,355/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,308
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$635/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,853 · 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).