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$11,634
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$368/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,943
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$352/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,284/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,961
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$441/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$423/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,288
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$515/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$493/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,942
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,593
−HK$662/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,609
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,922
−HK$634/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$25,851
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,800 · 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).