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$11,667
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$369/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,798/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$353/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,001
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$443/mo
Today · 4.125%
HK$14,879
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,758/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,576
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,993
−HK$424/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,283
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$517/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$1,056/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$34,718/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$494/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,010/mo
Deposit HK$1.54M · loan HK$3.58M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$664/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,358/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$636/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,298/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,126 · 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).