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$11,661
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$369/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,146
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,784/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,972
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,320
−HK$353/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,394
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,346/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,993
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$442/mo
Today · 4.125%
HK$14,870
baseline
▲ 0.50% · 4.625%
HK$15,775
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,740/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,567
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,984
−HK$424/mo
Today · 4.125%
HK$16,408
baseline
▲ 0.50% · 4.625%
HK$17,273
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,816/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,325
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$515/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$494/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$663/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$636/mo
Today · 4.125%
HK$24,612
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,224/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,059 · 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).