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$11,708
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$370/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,199
+HK$757/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$24,884/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$355/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$723/mo
Deposit HK$2.57M · loan HK$2.57M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,049
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$444/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$909/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,630
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$425/mo
Today · 4.125%
HK$16,474
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$869/mo
Deposit HK$2.05M · loan HK$3.08M · min. income ≈ HK$32,948/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,391
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,901
−HK$518/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,479
+HK$1,060/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,235
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$496/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,233
+HK$1,013/mo
Deposit HK$1.54M · loan HK$3.59M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$666/mo
Today · 4.125%
HK$22,396
baseline
▲ 0.50% · 4.625%
HK$23,758
+HK$1,362/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$44,792/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,445
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,074
−HK$637/mo
Today · 4.125%
HK$24,711
baseline
▲ 0.50% · 4.625%
HK$26,014
+HK$1,303/mo
Deposit HK$513K · loan HK$4.62M · min. income ≈ HK$49,422/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$115,526 · 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).