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$734/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$370/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,908/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,038
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$354/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,467
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,484/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,063
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$444/mo
Today · 4.125%
HK$14,945
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,890/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,645
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$426/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,407
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$518/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,253
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$496/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$667/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,364/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$638/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,641 · 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).