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$11,728
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$371/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,928/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,048
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$355/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,074
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$444/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,657
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$426/mo
Today · 4.125%
HK$16,503
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,006/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,419
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,930
−HK$519/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,898/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,267
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$497/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$668/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$639/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,726 · 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).