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$11,674
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,814/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$353/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,009
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$443/mo
Today · 4.125%
HK$14,888
baseline
▲ 0.50% · 4.625%
HK$15,794
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,776/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,585
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$424/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,344
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$516/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$494/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$664/mo
Today · 4.125%
HK$22,332
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,664/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$636/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,196 · 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).