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$11,781
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$372/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,106
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$357/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,628/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,137
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$447/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,937
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,727
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$428/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,450
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,154/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,493
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$521/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,594
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,348
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$499/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$670/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$642/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,243 · 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).