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$11,739
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$371/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,950/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$356/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,530/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,086
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,524
−HK$446/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,940/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$846/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$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,434
−HK$1,030/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$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$497/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,016/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$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,787
−HK$667/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,821
+HK$1,367/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$115,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,506
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,137
−HK$639/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,082
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,828 · 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).