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$11,727
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$370/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,924/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,502/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,072
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,510
−HK$445/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,655
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,075
−HK$426/mo
Today · 4.125%
HK$16,501
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,002/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,928
−HK$519/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$497/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$667/mo
Today · 4.125%
HK$22,432
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,864/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$639/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,714 · 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).