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$11,670
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$369/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,804/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$354/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,370/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$443/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$424/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,844/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$516/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$495/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,009/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,007
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$664/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$635/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,156 · 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).