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$11,752
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$371/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,976/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$356/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$446/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,972/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,688
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,407
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$668/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,847
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$641/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,957 · 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).