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$12,053
−HK$369/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$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$354/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,027
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$443/mo
Today · 4.125%
HK$14,907
baseline
▲ 0.50% · 4.625%
HK$15,814
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,814/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,605
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$424/mo
Today · 4.125%
HK$16,448
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,896/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,365
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$517/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$496/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$664/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$637/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,300/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,344 · 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).