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$11,708
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$370/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,200
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,886/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,375
−HK$354/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,050
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$444/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,862/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,631
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$425/mo
Today · 4.125%
HK$16,475
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,950/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,392
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$518/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$496/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$666/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,363/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$638/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,531 · 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).