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$11,775
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$372/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,026/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,100
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$356/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,130
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$446/mo
Today · 4.125%
HK$15,016
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,032/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,720
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$428/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,442
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$521/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,195
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$670/mo
Today · 4.125%
HK$22,524
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,048/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,579
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$641/mo
Today · 4.125%
HK$24,853
baseline
▲ 0.50% · 4.625%
HK$26,163
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,706/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,188 · 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).