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$11,703
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$369/mo
Today · 4.125%
HK$12,436
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,872/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$354/mo
Today · 4.125%
HK$13,722
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$724/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,444/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,043
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$444/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$908/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,042
−HK$425/mo
Today · 4.125%
HK$16,467
baseline
▲ 0.50% · 4.625%
HK$17,335
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,934/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$518/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$496/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$665/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,363/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$637/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,473 · 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).