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$11,695
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$370/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,858/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$354/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,428/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,035
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$444/mo
Today · 4.125%
HK$14,915
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,830/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,613
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,032
−HK$425/mo
Today · 4.125%
HK$16,457
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,914/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,374
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$517/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,216
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$496/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,052
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$665/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,420
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$637/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$25,987
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,404 · 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).