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$11,712
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$370/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,892/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,029
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$354/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,466/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,054
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$444/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,635
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$425/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,349
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$518/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,850/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$497/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,454/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$667/mo
Today · 4.125%
HK$22,404
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,808/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$638/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,566 · 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).