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$11,785
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$372/mo
Today · 4.125%
HK$12,524
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,048/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,111
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$356/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,548
+HK$729/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,142
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$447/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,733
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,155
−HK$428/mo
Today · 4.125%
HK$16,583
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,166/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$521/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$499/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,214
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$670/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$642/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,290 · 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).