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$11,666
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$369/mo
Today · 4.125%
HK$12,398
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,796/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,979
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$353/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,360/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$442/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,754/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,574
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$424/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$516/mo
Today · 4.125%
HK$17,357
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,714/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,170
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$495/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,161
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$664/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,358/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$635/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,298/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,115 · 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).