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$11,682
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$369/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,170
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,828/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,996
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$354/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,396/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,018
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$443/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,595
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$425/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,355
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$517/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$495/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$665/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,393
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$636/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,269 · 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).