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$11,733
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$370/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,936/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$356/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$725/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,516/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$445/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,663
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$426/mo
Today · 4.125%
HK$16,509
baseline
▲ 0.50% · 4.625%
HK$17,379
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,018/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,426
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$519/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$498/mo
Today · 4.125%
HK$19,261
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,522/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,776
−HK$667/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,809
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$640/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,305/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$630K (deposit + AVD stamp duty HK$115,770 · 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).