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$11,702
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$369/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,870/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,018
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$354/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,445
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,042
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,479
−HK$444/mo
Today · 4.125%
HK$14,923
baseline
▲ 0.50% · 4.625%
HK$15,831
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,846/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,622
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$426/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$867/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,382
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$518/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,225
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$496/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,420/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,063
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$666/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$637/mo
Today · 4.125%
HK$24,698
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,396/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,464 · 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).