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$11,746
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$371/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,242
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,964/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,418
−HK$355/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,095
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$446/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,958/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$427/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$519/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$497/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$668/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$640/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,306/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,901 · 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).