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$11,686
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$369/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,174
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,836/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,349
−HK$353/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,425
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,023
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$443/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$425/mo
Today · 4.125%
HK$16,443
baseline
▲ 0.50% · 4.625%
HK$17,310
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,886/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$517/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$495/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,688
−HK$665/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$636/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,306 · 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).