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$11,725
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$370/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,920/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,044
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$355/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$444/mo
Today · 4.125%
HK$14,952
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,904/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,653
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$426/mo
Today · 4.125%
HK$16,498
baseline
▲ 0.50% · 4.625%
HK$17,368
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$32,996/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,415
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$518/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,751
−HK$497/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$667/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$639/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,694 · 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).