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$11,723
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$371/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,916/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,041
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$355/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,492/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,067
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,505
−HK$444/mo
Today · 4.125%
HK$14,949
baseline
▲ 0.50% · 4.625%
HK$15,859
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,898/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,650
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,069
−HK$426/mo
Today · 4.125%
HK$16,495
baseline
▲ 0.50% · 4.625%
HK$17,365
+HK$870/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,990/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$519/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$496/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$667/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,474
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$639/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,672 · 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).