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$11,776
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$372/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,028/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,101
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$357/mo
Today · 4.125%
HK$13,809
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,618/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,131
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$446/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$428/mo
Today · 4.125%
HK$16,570
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,140/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,486
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$521/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$499/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,351
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$670/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$641/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,198 · 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).