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$12,082
−HK$371/mo
Today · 4.125%
HK$12,453
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$757/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$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,036
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$355/mo
Today · 4.125%
HK$13,740
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,480/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,061
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$444/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,886/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$425/mo
Today · 4.125%
HK$16,488
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,976/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,405
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$519/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$496/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$667/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,778
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$638/mo
Today · 4.125%
HK$24,732
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,304/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,464/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,623 · 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).