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$11,673
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$369/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,160
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,810/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,986
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$354/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,376/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,008
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,443
−HK$443/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,583
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$424/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$516/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,181
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$495/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$664/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$636/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,182 · 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).