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$11,782
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$373/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,042/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,107
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$356/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$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,138
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$447/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,939
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$428/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$874/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$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,495
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$521/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,350
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$499/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,020/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$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$670/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,908
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,593
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$641/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,255 · 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).