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$11,695
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$369/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$757/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,856/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,011
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$354/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,428/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,034
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,471
−HK$443/mo
Today · 4.125%
HK$14,914
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,828/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,613
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$425/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,373
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$518/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$496/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$665/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$637/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,399 · 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).