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$11,740
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$371/mo
Today · 4.125%
HK$12,476
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$759/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,952/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,061
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$355/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,532/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$445/mo
Today · 4.125%
HK$14,971
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$911/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$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,673
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$427/mo
Today · 4.125%
HK$16,520
baseline
▲ 0.50% · 4.625%
HK$17,390
+HK$870/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,040/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$520/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$498/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,132
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$668/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,367/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$639/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,843 · 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).