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$11,707
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$370/mo
Today · 4.125%
HK$12,441
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,882/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$355/mo
Today · 4.125%
HK$13,728
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,456/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,048
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$444/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,629
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,048
−HK$425/mo
Today · 4.125%
HK$16,473
baseline
▲ 0.50% · 4.625%
HK$17,341
+HK$868/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,946/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$518/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$1,059/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,234
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$496/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$666/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,363/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,443
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$638/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,518 · 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).