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$11,700
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,064
−HK$370/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,191
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,868/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,017
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$354/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$444/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$425/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,332
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,928/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$518/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$496/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,716
−HK$666/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,361/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,058
−HK$638/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,453 · 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).