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$11,619
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$368/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$751/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,696/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,926
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$351/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$718/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,248/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,943
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$441/mo
Today · 4.125%
HK$14,817
baseline
▲ 0.50% · 4.625%
HK$15,719
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,634/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,511
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,927
−HK$422/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,211
+HK$862/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$514/mo
Today · 4.125%
HK$17,287
baseline
▲ 0.50% · 4.625%
HK$18,338
+HK$1,051/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,574/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,096
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$492/mo
Today · 4.125%
HK$19,074
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,005/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,148/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$661/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,578
+HK$1,352/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$633/mo
Today · 4.125%
HK$24,524
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,292/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,048/mo (50% DSR)
Upfront cash ≈ HK$624K (deposit + AVD stamp duty HK$114,648 · 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).