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$11,741
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$371/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,954/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,062
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$355/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,089
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$446/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,674
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$427/mo
Today · 4.125%
HK$16,521
baseline
▲ 0.50% · 4.625%
HK$17,392
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,042/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,437
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$520/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$497/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,791
−HK$668/mo
Today · 4.125%
HK$22,459
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,918/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,511
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$640/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,851 · 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).