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$11,664
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$369/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$353/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,433
−HK$442/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$905/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,572
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$424/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$865/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,330
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,838
−HK$516/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,708/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,167
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$495/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,009/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,996
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$664/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,357/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$636/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,297/mo
Deposit HK$512K · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,097 · 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).