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$11,734
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,099
−HK$371/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,229
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,940/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,054
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$355/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,518/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,081
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$445/mo
Today · 4.125%
HK$14,964
baseline
▲ 0.50% · 4.625%
HK$15,875
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,928/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,665
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$426/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$519/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$497/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$667/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,497
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$639/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,305/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,785 · 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).