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$11,667
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$368/mo
Today · 4.125%
HK$12,398
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,796/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,979
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$353/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,360/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$442/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$424/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$516/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$495/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$663/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,358/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$636/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,298/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,121 · 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).