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$11,744
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$371/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,960/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,065
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$356/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,093
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,531
−HK$446/mo
Today · 4.125%
HK$14,977
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,954/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,678
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,099
−HK$426/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,442
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$520/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$497/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,139
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$668/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$640/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,306/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,882 · 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).