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$11,726
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$370/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,219
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,922/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,045
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$355/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,071
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,509
−HK$444/mo
Today · 4.125%
HK$14,953
baseline
▲ 0.50% · 4.625%
HK$15,863
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,906/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,654
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,074
−HK$426/mo
Today · 4.125%
HK$16,500
baseline
▲ 0.50% · 4.625%
HK$17,369
+HK$869/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,000/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,416
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$519/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,507
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$497/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,107
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$667/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$639/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,500/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,704 · 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).