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$11,683
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$369/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,830/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,997
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$354/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,398/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,019
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,455
−HK$443/mo
Today · 4.125%
HK$14,898
baseline
▲ 0.50% · 4.625%
HK$15,805
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,796/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,596
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,014
−HK$425/mo
Today · 4.125%
HK$16,439
baseline
▲ 0.50% · 4.625%
HK$17,305
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,878/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,356
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$517/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,439
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$495/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,029
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$664/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,022
−HK$636/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$25,958
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,276 · 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).