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$11,712
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$370/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,894/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$355/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$444/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$426/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$518/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$497/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$667/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$638/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,571 · 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).