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$11,736
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$370/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,944/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,407
−HK$355/mo
Today · 4.125%
HK$13,762
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,524/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,084
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,522
−HK$445/mo
Today · 4.125%
HK$14,967
baseline
▲ 0.50% · 4.625%
HK$15,878
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,934/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,668
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,385
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$519/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,524
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$497/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$667/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$640/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,305/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,808 · 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).