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$11,747
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$371/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,966/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,068
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$355/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,548/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,096
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$446/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$427/mo
Today · 4.125%
HK$16,529
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,058/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$520/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,295
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,786
−HK$498/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,144
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$668/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,837
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,522
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$640/mo
Today · 4.125%
HK$24,793
baseline
▲ 0.50% · 4.625%
HK$26,100
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,586/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,908 · 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).