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$11,714
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$371/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,898/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$355/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,057
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$444/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,876/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,638
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$425/mo
Today · 4.125%
HK$16,483
baseline
▲ 0.50% · 4.625%
HK$17,352
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,966/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$518/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$496/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$667/mo
Today · 4.125%
HK$22,408
baseline
▲ 0.50% · 4.625%
HK$23,771
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,816/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$639/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,587 · 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).