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$11,679
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$369/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,822/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$354/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$115,242 · 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$15,800
+HK$906/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$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,591
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,010
−HK$424/mo
Today · 4.125%
HK$16,434
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$866/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$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,859
−HK$517/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,433
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$495/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,010/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$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$665/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,359/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$115,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$637/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,242 · 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).