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$11,750
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$371/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,974/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$355/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$446/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$427/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,068/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$520/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$498/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,151
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$668/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,845
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,530
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$640/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,109
+HK$1,308/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,945 · 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).