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$11,636
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$368/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,118
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,945
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,292
−HK$352/mo
Today · 4.125%
HK$13,644
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,288/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,963
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$441/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,534
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$422/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,236
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,746/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,290
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$515/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$493/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$662/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,355/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$634/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,817 · 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).