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$11,663
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$368/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,788/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,975
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$353/mo
Today · 4.125%
HK$13,676
baseline
▲ 0.50% · 4.625%
HK$14,397
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,352/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,996
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$442/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,570
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$424/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$516/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$494/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$664/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,355
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,981
−HK$636/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,082 · 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).