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$11,681
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$369/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,995
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$354/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,394/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$443/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,012
−HK$424/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,353
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$517/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$495/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$664/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$637/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$25,954
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,259 · 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).