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$11,716
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$370/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$355/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,059
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$445/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,640
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$425/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,354
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,970/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,402
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$519/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,247
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$496/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,247
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$667/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,364/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$638/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,304/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,604 · 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).