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$11,680
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$370/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$755/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,994
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$353/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$722/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,016
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$443/mo
Today · 4.125%
HK$14,895
baseline
▲ 0.50% · 4.625%
HK$15,801
+HK$906/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$29,790/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,011
−HK$424/mo
Today · 4.125%
HK$16,435
baseline
▲ 0.50% · 4.625%
HK$17,302
+HK$867/mo
Deposit HK$2.05M · loan HK$3.07M · min. income ≈ HK$32,870/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,352
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$517/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,435
+HK$1,057/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$494/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,011/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$665/mo
Today · 4.125%
HK$22,343
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,359/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$44,686/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$636/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,299/mo
Deposit HK$512K · loan HK$4.61M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$115,252 · 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).