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$11,717
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$371/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,904/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$354/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,478/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,060
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$444/mo
Today · 4.125%
HK$14,942
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,884/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,642
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$426/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,356
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$518/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,249
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$497/mo
Today · 4.125%
HK$19,235
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,470/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$667/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,364/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$639/mo
Today · 4.125%
HK$24,731
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,462/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,615 · 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).