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$11,699
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$369/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,864/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,015
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$354/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,436/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,038
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$444/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,618
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$424/mo
Today · 4.125%
HK$16,461
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,922/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,378
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$517/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,709
−HK$496/mo
Today · 4.125%
HK$19,205
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,410/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$665/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,055
−HK$637/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$25,994
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$115,436 · 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).