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$11,620
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$367/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$13,100
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,698/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,927
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,274
−HK$352/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,344
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,252/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$441/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$901/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,513
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$422/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,702/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,268
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$514/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$1,052/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$492/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$661/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,352/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$633/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,293/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,660 · 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).