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$11,630
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$368/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$2.66M (deposit + AVD stamp duty HK$114,761 · 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$2.66M (deposit + AVD stamp duty HK$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,956
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$441/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$902/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,526
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,943
−HK$422/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,228
+HK$863/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,282
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$515/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$1,052/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$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$493/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,006/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$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$661/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,354/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$634/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,294/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,761 · 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).