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$11,715
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$370/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,898/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$354/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,057
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$444/mo
Today · 4.125%
HK$14,939
baseline
▲ 0.50% · 4.625%
HK$15,848
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,878/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,639
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$426/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,353
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,968/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$518/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,245
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$496/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,245
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$667/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$639/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,592 · 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).