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$11,668
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$369/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,800/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$353/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,002
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$443/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,785
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,577
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$424/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,836/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$517/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$495/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,009/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$663/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,678
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,365
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$635/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,132 · 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).