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$11,742
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,107
−HK$371/mo
Today · 4.125%
HK$12,478
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,956/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,063
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$355/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,494
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,536/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$446/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,885
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,948/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$427/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,393
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$519/mo
Today · 4.125%
HK$17,469
baseline
▲ 0.50% · 4.625%
HK$18,532
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,938/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$498/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$668/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,367/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$640/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,860 · 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).