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$11,691
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$369/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,006
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$354/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$723/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,029
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$443/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,818/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,026
−HK$425/mo
Today · 4.125%
HK$16,451
baseline
▲ 0.50% · 4.625%
HK$17,318
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,902/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$517/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,788/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,209
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$496/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$665/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,039
−HK$637/mo
Today · 4.125%
HK$24,676
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,352/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,361 · 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).