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$11,780
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$372/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,036/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,105
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$357/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,136
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$447/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$428/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,449
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$522/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,592
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$499/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$670/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$642/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,310/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,234 · 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).