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$11,736
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,101
−HK$371/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,944/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,056
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$356/mo
Today · 4.125%
HK$13,762
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,524/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,083
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$445/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,877
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,667
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$426/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$520/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$497/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$667/mo
Today · 4.125%
HK$22,449
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,898/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$640/mo
Today · 4.125%
HK$24,771
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,305/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,542/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,803 · 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).