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$11,718
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$370/mo
Today · 4.125%
HK$12,453
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,906/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$355/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,062
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$444/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,644
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,064
−HK$425/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,916
−HK$519/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$496/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$667/mo
Today · 4.125%
HK$22,416
baseline
▲ 0.50% · 4.625%
HK$23,780
+HK$1,364/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,832/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$639/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,038
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,630 · 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).