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$11,632
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$368/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$352/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,959
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$441/mo
Today · 4.125%
HK$14,834
baseline
▲ 0.50% · 4.625%
HK$15,737
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,668/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,529
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,945
−HK$423/mo
Today · 4.125%
HK$16,368
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,736/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$514/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$493/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$662/mo
Today · 4.125%
HK$22,251
baseline
▲ 0.50% · 4.625%
HK$23,605
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,502/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$634/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,780 · 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).