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$11,713
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$370/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$758/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,894/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$354/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$444/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,846
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$425/mo
Today · 4.125%
HK$16,481
baseline
▲ 0.50% · 4.625%
HK$17,350
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,962/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,398
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$518/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$1,061/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$496/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,014/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$666/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$638/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,303/mo
Deposit HK$514K · loan HK$4.62M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,574 · 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).