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$12,091
−HK$371/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$758/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$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$354/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,072
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,510
−HK$444/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,908/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,710 · 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$17,370
+HK$869/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$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,417
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,928
−HK$519/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$1,061/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$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,264
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$497/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,014/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$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,764
−HK$667/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,365/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$639/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,305/mo
Deposit HK$514K · loan HK$4.63M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,710 · 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).