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$11,731
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$371/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,226
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,934/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,051
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$355/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,512/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,078
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$445/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,920/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,661
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,081
−HK$426/mo
Today · 4.125%
HK$16,507
baseline
▲ 0.50% · 4.625%
HK$17,377
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,014/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,424
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$519/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,516
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$498/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$668/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,492
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$639/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,757 · 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).