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$11,743
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$371/mo
Today · 4.125%
HK$12,479
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$760/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,958/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$356/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$726/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,540/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,530
−HK$445/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,950/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,677
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$427/mo
Today · 4.125%
HK$16,524
baseline
▲ 0.50% · 4.625%
HK$17,395
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,048/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$519/mo
Today · 4.125%
HK$17,471
baseline
▲ 0.50% · 4.625%
HK$18,534
+HK$1,063/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$34,942/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$498/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,016/mo
Deposit HK$1.54M · loan HK$3.60M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,137
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$668/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,830
+HK$1,367/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$640/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,306/mo
Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,872 · 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).