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$11,737
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$371/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$355/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,488
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,526/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,815 · 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$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,669
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$427/mo
Today · 4.125%
HK$16,516
baseline
▲ 0.50% · 4.625%
HK$17,386
+HK$870/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$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$519/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$497/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,127
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$668/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,503
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$639/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,815 · 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).