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$11,685
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$370/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,836/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,999
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$354/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,022
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,458
−HK$443/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,017
−HK$425/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,308
+HK$866/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,884/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,359
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$517/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,687
−HK$495/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,193
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$665/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$637/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,298 · 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).