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$11,656
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$368/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,774/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,967
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,315
−HK$353/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,388
+HK$720/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,987
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,422
−HK$442/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$905/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,561
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$423/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,266
+HK$865/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$516/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$1,055/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,154
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$494/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$664/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,653
+HK$1,356/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$635/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,014 · 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).