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$11,703
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$369/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,874/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,020
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$354/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,446/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,044
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$444/mo
Today · 4.125%
HK$14,925
baseline
▲ 0.50% · 4.625%
HK$15,833
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,850/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,624
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$425/mo
Today · 4.125%
HK$16,468
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,936/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$517/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$496/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$665/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$637/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,482 · 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).