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$11,638
−HK$729/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$367/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,120
+HK$753/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,947
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,294
−HK$352/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,366
+HK$720/mo
Deposit HK$2.55M · loan HK$2.55M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$441/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$903/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$29,682/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,536
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,953
−HK$422/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$864/mo
Deposit HK$2.04M · loan HK$3.06M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,293
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$1,054/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$493/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,007/mo
Deposit HK$1.53M · loan HK$3.57M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,355/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$634/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,295/mo
Deposit HK$510K · loan HK$4.59M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$625K (deposit + AVD stamp duty HK$114,833 · 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).