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$11,660
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$368/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,145
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,972
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,320
−HK$353/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,346/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,992
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,427
−HK$443/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$904/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,566
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$423/mo
Today · 4.125%
HK$16,407
baseline
▲ 0.50% · 4.625%
HK$17,272
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,814/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,832
−HK$516/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$494/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,988
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$663/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,358/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,349
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$636/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$25,908
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,055 · 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).