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$11,719
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$371/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,908/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$354/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,063
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$444/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,645
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$426/mo
Today · 4.125%
HK$16,490
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,980/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$518/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$497/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,476/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$667/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,364/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,467
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$639/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,038
+HK$1,303/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,634 · 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).