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$11,740
−HK$737/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$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,061
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$356/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$725/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$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$445/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,883
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,673
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$426/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,391
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,437
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$519/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$497/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$668/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$640/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,847 · 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).