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$11,631
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$367/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$752/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,720/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,939
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$352/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$719/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,957
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$441/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,735
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,527
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$423/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$514/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,357
+HK$1,053/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,608/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$492/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$661/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,602
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$634/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,765 · 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).