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$11,671
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,034
−HK$369/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$353/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$443/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$424/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,844/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$517/mo
Today · 4.125%
HK$17,364
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,728/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$495/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,007
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$664/mo
Today · 4.125%
HK$22,325
baseline
▲ 0.50% · 4.625%
HK$23,683
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,650/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$636/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,159 · 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).