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$11,716
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$370/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$355/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,478/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,060
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$444/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,061
−HK$425/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$519/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$496/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$666/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,364/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$638/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,304/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,610 · 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).