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$11,760
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$372/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$760/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$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,083
−HK$707/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$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$446/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,910
+HK$913/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,700
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$427/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$1,033/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$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$498/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$669/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$641/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,043 · 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).