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$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,978
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$353/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$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$442/mo
Today · 4.125%
HK$14,876
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$906/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$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,573
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$424/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,280
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,332
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$516/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,712/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,169
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$494/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,010/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$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$664/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,357/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,360
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$636/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,298/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,107 · 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).