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$11,638
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$368/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,736/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$352/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,294/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,966
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$441/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$423/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,294
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,801
−HK$515/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$493/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,113
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$662/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$634/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,840 · 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).