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$11,739
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$371/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$760/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,950/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,060
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$355/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,491
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,530/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,087
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$446/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$910/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,942/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$426/mo
Today · 4.125%
HK$16,518
baseline
▲ 0.50% · 4.625%
HK$17,389
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,036/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$520/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$1,062/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$498/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,015/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,131
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$668/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,366/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$640/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,836 · 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).