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$11,761
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$372/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,998/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,084
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$356/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,518
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,582/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,114
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$446/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,911
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,701
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,122
−HK$428/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,422
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,466
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$521/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$499/mo
Today · 4.125%
HK$19,308
baseline
▲ 0.50% · 4.625%
HK$20,326
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,616/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$669/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$640/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,054 · 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).