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$11,757
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$371/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,988/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,080
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$356/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,572/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,108
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$446/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,905
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,695
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$427/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$520/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$499/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,368/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$640/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,010 · 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).