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$11,693
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$370/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$354/mo
Today · 4.125%
HK$13,711
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,422/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$443/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$425/mo
Today · 4.125%
HK$16,453
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,906/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$517/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$495/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$665/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,301/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,376 · 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).