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$11,680
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$369/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,824/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$353/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,015
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,451
−HK$443/mo
Today · 4.125%
HK$14,894
baseline
▲ 0.50% · 4.625%
HK$15,801
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,788/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,592
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$424/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,868/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$517/mo
Today · 4.125%
HK$17,377
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,754/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,191
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$494/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$664/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,682/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$637/mo
Today · 4.125%
HK$24,652
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,304/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,246 · 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).