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$11,691
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$370/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,006
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$354/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$723/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$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,029
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$443/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$908/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$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,607
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$425/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,367
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$517/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$1,059/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$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$496/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$665/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,360/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$637/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,355 · 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).