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$11,687
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$370/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$354/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,408/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,024
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$443/mo
Today · 4.125%
HK$14,903
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,806/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$425/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,311
+HK$866/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,890/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,361
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$517/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$495/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,036
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$665/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,715
+HK$1,360/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,402
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$637/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,300/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,317 · 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).