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$11,694
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$370/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,856/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,010
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$354/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,426/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,033
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$443/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,030
−HK$425/mo
Today · 4.125%
HK$16,455
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,910/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,372
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$518/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$496/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$665/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,418
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$637/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,301/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,392 · 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).