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$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,058
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$356/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$725/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$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,085
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$445/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,670
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,090
−HK$426/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,387
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,032/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$519/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$497/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,128
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,785
−HK$668/mo
Today · 4.125%
HK$22,453
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,906/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$639/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,080
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,820 · 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).