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$11,701
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,065
−HK$370/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,870/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,017
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$354/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$444/mo
Today · 4.125%
HK$14,922
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,844/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$425/mo
Today · 4.125%
HK$16,465
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,930/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,382
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$518/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$496/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,062
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$666/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$637/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,459 · 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).