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$11,738
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$371/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$355/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,528/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,086
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$445/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,670
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$426/mo
Today · 4.125%
HK$16,517
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,034/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$519/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$498/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$668/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$639/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,824 · 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).