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$11,720
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$370/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,910/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$355/mo
Today · 4.125%
HK$13,743
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,486/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,064
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$444/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,066
−HK$426/mo
Today · 4.125%
HK$16,492
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,984/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$518/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$496/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$666/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,470
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$639/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,648 · 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).