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$11,692
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$370/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$354/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$444/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,609
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$424/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,369
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$518/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$496/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,046
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$665/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,300/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,372 · 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).