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$11,684
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$369/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,834/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,999
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$354/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,021
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$444/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,807
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$424/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$517/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$496/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,032
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$665/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,398
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,025
−HK$637/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,294 · 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).