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$11,665
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$369/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,794/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$354/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,400
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$442/mo
Today · 4.125%
HK$14,876
baseline
▲ 0.50% · 4.625%
HK$15,781
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,752/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,573
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$423/mo
Today · 4.125%
HK$16,414
baseline
▲ 0.50% · 4.625%
HK$17,279
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,828/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,331
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,839
−HK$516/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,710/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,168
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$494/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,159
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$664/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,358/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$635/mo
Today · 4.125%
HK$24,621
baseline
▲ 0.50% · 4.625%
HK$25,919
+HK$1,298/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$49,242/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,105 · 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).