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$11,692
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$370/mo
Today · 4.125%
HK$12,425
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$756/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,850/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,007
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$354/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,030
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$444/mo
Today · 4.125%
HK$14,910
baseline
▲ 0.50% · 4.625%
HK$15,817
+HK$907/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,820/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,027
−HK$425/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$517/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$1,058/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$496/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$665/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,361/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$637/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,301/mo
Deposit HK$513K · loan HK$4.61M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,366 · 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).