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$11,687
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$369/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,002
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$354/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,025
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$443/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$425/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$866/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,362
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$518/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,778/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$496/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$665/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,360/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$636/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,324 · 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).