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$11,748
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,114
−HK$371/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$759/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,970/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,070
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,420
−HK$356/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,552/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,098
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$446/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,964/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,684
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$427/mo
Today · 4.125%
HK$16,531
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,062/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$520/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$498/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,147
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$669/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$640/mo
Today · 4.125%
HK$24,796
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,592/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,923 · 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).