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$11,662
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,025
−HK$368/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,786/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,974
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,322
−HK$353/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,350/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,995
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$442/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,569
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$424/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,327
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$516/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$494/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$663/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,358/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,353
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$636/mo
Today · 4.125%
HK$24,615
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,230/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,074 · 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).