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$11,694
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$369/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,854/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$354/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,424/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,033
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$444/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,820
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$425/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,372
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$517/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,796/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$495/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,049
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,704
−HK$665/mo
Today · 4.125%
HK$22,369
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,738/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,417
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$637/mo
Today · 4.125%
HK$24,682
baseline
▲ 0.50% · 4.625%
HK$25,983
+HK$1,301/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,364/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,389 · 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).