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$11,675
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$369/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,816/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,989
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$353/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,010
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$443/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$425/mo
Today · 4.125%
HK$16,429
baseline
▲ 0.50% · 4.625%
HK$17,295
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,858/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$517/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,427
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,184
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$495/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$665/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,380
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$636/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$25,942
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,205 · 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).