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$11,786
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$373/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,052/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,112
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$357/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,144
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$447/mo
Today · 4.125%
HK$15,031
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,062/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,735
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,157
−HK$428/mo
Today · 4.125%
HK$16,585
baseline
▲ 0.50% · 4.625%
HK$17,459
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,170/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$522/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$499/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,216
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$671/mo
Today · 4.125%
HK$22,546
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,092/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,602
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$642/mo
Today · 4.125%
HK$24,877
baseline
▲ 0.50% · 4.625%
HK$26,189
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,754/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,301 · 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).