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$11,722
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$371/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,914/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$355/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,490/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,066
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,504
−HK$444/mo
Today · 4.125%
HK$14,948
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$910/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,896/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,649
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,068
−HK$426/mo
Today · 4.125%
HK$16,494
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,988/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$519/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$497/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$666/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$639/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,304/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,664 · 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).