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$11,669
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$369/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,802/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,982
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$354/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$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,003
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$442/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,762/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$424/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$517/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,056/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$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$495/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,658
−HK$664/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,995
−HK$635/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,147 · 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).