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$11,668
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$369/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,800/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$353/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,002
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$442/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,785
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,577
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$424/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,284
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$516/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$494/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$664/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,678
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$636/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$25,926
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,136 · 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).