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$11,690
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$369/mo
Today · 4.125%
HK$12,423
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,846/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,005
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$354/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,416/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$443/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$424/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$518/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$495/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$665/mo
Today · 4.125%
HK$22,362
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,724/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,409
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$637/mo
Today · 4.125%
HK$24,674
baseline
▲ 0.50% · 4.625%
HK$25,975
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,348/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,351 · 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).