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$11,732
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$371/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,936/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$355/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,514/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$445/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$426/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$519/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$497/mo
Today · 4.125%
HK$19,260
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,520/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,118
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$668/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,808
+HK$1,365/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$639/mo
Today · 4.125%
HK$24,763
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,526/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,768 · 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).