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$11,684
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$370/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,834/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$353/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,021
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$443/mo
Today · 4.125%
HK$14,900
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,800/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,598
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$425/mo
Today · 4.125%
HK$16,441
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,882/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$517/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,441
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$495/mo
Today · 4.125%
HK$19,181
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,362/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$665/mo
Today · 4.125%
HK$22,350
baseline
▲ 0.50% · 4.625%
HK$23,710
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,700/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,397
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$637/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,289 · 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).