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$731/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$369/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$753/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,778/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,969
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$353/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,989
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$442/mo
Today · 4.125%
HK$14,866
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$905/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$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,563
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,980
−HK$423/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,268
+HK$865/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$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$516/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,029 · 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$20,146
+HK$1,009/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$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$663/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,357/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$115,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$635/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,029 · 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).