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$11,716
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$370/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$354/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,059
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$444/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$909/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,641
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$426/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$869/mo
Deposit HK$2.06M · loan HK$3.08M · min. income ≈ HK$32,972/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$518/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$497/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,247
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$667/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$638/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,608 · 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).