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$11,761
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$372/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,996/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,084
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$356/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,517
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,580/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,113
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$446/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$428/mo
Today · 4.125%
HK$16,549
baseline
▲ 0.50% · 4.625%
HK$17,421
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,098/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$520/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,562
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$499/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$669/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,368/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$641/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,046 · 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).