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$11,769
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$372/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,014/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$356/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$447/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,922
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,712
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$428/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$872/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,122/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,477
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,989
−HK$521/mo
Today · 4.125%
HK$17,510
baseline
▲ 0.50% · 4.625%
HK$18,575
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,020/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$499/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,843
−HK$670/mo
Today · 4.125%
HK$22,513
baseline
▲ 0.50% · 4.625%
HK$23,883
+HK$1,370/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,026/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$641/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,309/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,130 · 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).