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$11,689
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$370/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,844/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,352
−HK$354/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,412/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,027
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,463
−HK$443/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,604
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$424/mo
Today · 4.125%
HK$16,447
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,894/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,364
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$517/mo
Today · 4.125%
HK$17,390
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,780/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$496/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,040
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,694
−HK$665/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,407
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$637/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,337 · 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).