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$11,656
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$368/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$754/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$24,774/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$352/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$721/mo
Deposit HK$2.56M · loan HK$2.56M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$442/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,769
+HK$904/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$29,730/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,561
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,979
−HK$423/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$865/mo
Deposit HK$2.04M · loan HK$3.07M · min. income ≈ HK$32,804/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$515/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$1,056/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$494/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,008/mo
Deposit HK$1.53M · loan HK$3.58M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$663/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,357/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,342
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$635/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,297/mo
Deposit HK$511K · loan HK$4.60M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$115,019 · 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).