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$11,733
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$371/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,228
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,938/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,053
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$356/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,484
+HK$725/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$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,080
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,518
−HK$445/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,926/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,664
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$426/mo
Today · 4.125%
HK$16,510
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,020/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,427
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$519/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$497/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$668/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,365/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$639/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,778 · 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).