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$11,774
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$372/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,024/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,098
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$357/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$446/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,028/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$428/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$521/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,582
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$499/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$669/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$641/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,174 · 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).