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$11,774
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$372/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,024/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,098
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$356/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$447/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$913/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$427/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,441
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$521/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$499/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$670/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,577
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$642/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,161
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,178 · 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).