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$11,670
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$368/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,802/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,982
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$353/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,405
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,004
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$443/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,764/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$423/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,286
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$516/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$494/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$664/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,995
−HK$636/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,148 · 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).