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$11,675
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,814/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,989
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$353/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,010
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$443/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$424/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,345
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$516/mo
Today · 4.125%
HK$17,370
baseline
▲ 0.50% · 4.625%
HK$18,427
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,740/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,184
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$494/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,015
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$664/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$637/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,203 · 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).