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$11,630
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$368/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,718/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,938
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$352/mo
Today · 4.125%
HK$13,637
baseline
▲ 0.50% · 4.625%
HK$14,356
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,274/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,956
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$441/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,733
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,662/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,525
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,942
−HK$422/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,227
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,788
−HK$515/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,355
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,606/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$493/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,098
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,933
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,585
−HK$661/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$633/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,754 · 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).