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$11,724
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$370/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,918/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,043
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$355/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,494/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$445/mo
Today · 4.125%
HK$14,951
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,902/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$426/mo
Today · 4.125%
HK$16,497
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,994/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,413
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$519/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$497/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$667/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$639/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,683 · 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).