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$11,755
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$372/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,077
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$445/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,969
−HK$520/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,553
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$498/mo
Today · 4.125%
HK$19,297
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,594/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$669/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,368/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$641/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,307/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,989 · 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).