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$11,624
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$367/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,932
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$352/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,262/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,949
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$441/mo
Today · 4.125%
HK$14,824
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,648/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,518
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$422/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,219
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,714/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,274
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$515/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$493/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,006/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$661/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,589
+HK$1,353/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$633/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$25,829
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,702 · 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).