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$11,729
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$371/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,930/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,049
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$355/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,508/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,075
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$445/mo
Today · 4.125%
HK$14,958
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,916/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$426/mo
Today · 4.125%
HK$16,505
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,010/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$519/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$497/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$667/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$639/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,738 · 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).