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$11,720
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$371/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,910/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,038
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$355/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,467
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,064
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$445/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$426/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$519/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,253
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$497/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$666/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$639/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,303/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,643 · 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).