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$11,620
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,981
−HK$367/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$13,100
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,696/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,927
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$352/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,343
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,250/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,377
−HK$441/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,636/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,512
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$422/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$515/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,339
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,097
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$492/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,566
−HK$661/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,352/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,268
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$633/mo
Today · 4.125%
HK$24,525
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,293/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,050/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,655 · 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).