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$11,677
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$369/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,818/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,990
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$353/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,012
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$443/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,588
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$424/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,348
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$517/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$495/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,018
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$664/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,696
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$636/mo
Today · 4.125%
HK$24,646
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,292/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,220 · 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).