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$11,787
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,154
−HK$372/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$763/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,052/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$357/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$447/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$428/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,460
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$522/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$499/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$671/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$642/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,309 · 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).