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$11,678
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$369/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,822/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,992
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$353/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,416
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,388/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,014
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$443/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,799
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,786/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,591
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,009
−HK$424/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,299
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,350
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$517/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$495/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$664/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$636/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,236 · 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).