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$11,655
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$368/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,772/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$353/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,334/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,986
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$442/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$905/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$423/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$865/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$516/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,682/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$494/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,142
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$663/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$635/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,006 · 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).