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$11,781
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$372/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,040/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,107
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$357/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,543
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,138
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,577
−HK$447/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,938
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,728
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$428/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,451
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$521/mo
Today · 4.125%
HK$17,528
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,056/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$500/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,360
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$670/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$641/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,250 · 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).