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$11,709
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$370/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,886/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,376
−HK$354/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,460/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,051
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$444/mo
Today · 4.125%
HK$14,932
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,864/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$425/mo
Today · 4.125%
HK$16,476
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,952/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$518/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$496/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,235
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$666/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,761
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$638/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,539 · 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).