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$11,758
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$372/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,992/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,081
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$356/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,549
−HK$446/mo
Today · 4.125%
HK$14,995
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,990/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$427/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$521/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$499/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,165
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$669/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,368/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$641/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,126
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,022 · 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).