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$11,757
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$371/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,988/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$355/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,572/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,109
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,548
−HK$445/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$913/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,696
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,117
−HK$427/mo
Today · 4.125%
HK$16,544
baseline
▲ 0.50% · 4.625%
HK$17,416
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,088/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$520/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$498/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$641/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,013 · 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).