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$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$372/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,978/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$356/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$446/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$427/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$669/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,848
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$640/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,308/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,960 · 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).