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$11,730
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$371/mo
Today · 4.125%
HK$12,466
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,932/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$355/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,076
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,514
−HK$445/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,918/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,660
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$426/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$519/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$497/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,272
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$667/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,366/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$640/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,746 · 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).