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$11,705
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$370/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$756/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,880/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,022
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$355/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,047
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$444/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$425/mo
Today · 4.125%
HK$16,471
baseline
▲ 0.50% · 4.625%
HK$17,339
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,942/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,388
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$518/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,720
−HK$496/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$666/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,363/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,440
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$637/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,303/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,502 · 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).