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$739/mo
▼ 0.25% · 3.875%
HK$12,143
−HK$372/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,030/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,201 · 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$14,537
+HK$728/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$116,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,132
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$447/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,721
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$428/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,444
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,487
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$521/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,587
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,042/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,201 · 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$116,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$670/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,370/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$642/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,201 · 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).