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$11,731
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$370/mo
Today · 4.125%
HK$12,466
baseline
▲ 0.50% · 4.625%
HK$13,225
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,932/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$355/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,077
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$445/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,870
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,920/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,660
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$426/mo
Today · 4.125%
HK$16,506
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,012/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$519/mo
Today · 4.125%
HK$17,453
baseline
▲ 0.50% · 4.625%
HK$18,515
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,906/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$498/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$667/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,366/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$639/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,751 · 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).