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$11,657
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$368/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,776/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$353/mo
Today · 4.125%
HK$13,669
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,338/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$442/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,770
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,732/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$424/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$864/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,806/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,320
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$515/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,686/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$494/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,983
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,635
−HK$664/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$635/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,024 · 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).