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$11,690
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$370/mo
Today · 4.125%
HK$12,423
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,846/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,005
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$353/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$444/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$425/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$517/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,695
−HK$495/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$665/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,722
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,409
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$636/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$25,974
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,348 · 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).