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$11,697
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$369/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$757/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,860/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$354/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,036
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$444/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$425/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$518/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,218
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$496/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$666/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$637/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,418 · 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).