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$11,745
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$371/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,241
+HK$759/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,964/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,067
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$356/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,094
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$445/mo
Today · 4.125%
HK$14,978
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,956/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,680
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$427/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,398
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,054/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$520/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$498/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$640/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,306/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,896 · 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).