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$11,670
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$369/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,804/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$353/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,405
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$442/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$424/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,338
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$516/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$495/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$664/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,996
−HK$635/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,151 · 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).