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$11,751
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$372/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,976/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,073
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$356/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$445/mo
Today · 4.125%
HK$14,985
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,970/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$427/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,406
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$520/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$498/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$668/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$640/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,308/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,950 · 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).