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$736/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$371/mo
Today · 4.125%
HK$12,481
baseline
▲ 0.50% · 4.625%
HK$13,241
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,962/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,066
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,416
−HK$356/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,498
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,094
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$446/mo
Today · 4.125%
HK$14,978
baseline
▲ 0.50% · 4.625%
HK$15,889
+HK$911/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$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,679
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$426/mo
Today · 4.125%
HK$16,526
baseline
▲ 0.50% · 4.625%
HK$17,397
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,052/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$520/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$498/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$668/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$640/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,890 · 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).