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$11,767
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$372/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,010/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,091
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$356/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$447/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,012/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,709
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$427/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,430
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,474
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$521/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$499/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$670/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$641/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,108 · 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).