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$11,744
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$371/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$759/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,960/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,065
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$355/mo
Today · 4.125%
HK$13,770
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,540/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$445/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,098
−HK$427/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,441
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$520/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$498/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,295
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$668/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$640/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,306/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,878 · 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).