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$11,721
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$370/mo
Today · 4.125%
HK$12,456
baseline
▲ 0.50% · 4.625%
HK$13,214
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,912/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,389
−HK$355/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,065
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,503
−HK$444/mo
Today · 4.125%
HK$14,947
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,894/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,647
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$426/mo
Today · 4.125%
HK$16,493
baseline
▲ 0.50% · 4.625%
HK$17,362
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,986/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,920
−HK$518/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,876/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,255
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$497/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$667/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,785
+HK$1,364/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,471
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$638/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,655 · 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).