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$11,658
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$369/mo
Today · 4.125%
HK$12,390
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$753/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,780/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,970
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$353/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,342/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$442/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$424/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,269
+HK$864/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,322
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$515/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$494/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$663/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$635/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,038 · 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).