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$734/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$370/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$756/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,874/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$355/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,446/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,475 · 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$115,475 · 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$115,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$517/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,060/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$115,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$496/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,012/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$666/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$638/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,302/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,475 · 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).