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$11,623
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,985
−HK$367/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,931
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$352/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,948
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$440/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,517
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$422/mo
Today · 4.125%
HK$16,355
baseline
▲ 0.50% · 4.625%
HK$17,217
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,710/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,778
−HK$515/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,345
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,586/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,103
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$493/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$661/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,899
−HK$633/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,689 · 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).