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$11,683
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$369/mo
Today · 4.125%
HK$12,416
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,832/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$354/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$443/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$907/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,597
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,016
−HK$424/mo
Today · 4.125%
HK$16,440
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,880/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$517/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$495/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$665/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,360/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$637/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$25,960
+HK$1,300/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,285 · 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).