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$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$371/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,978/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$355/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$446/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,899
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,110
−HK$426/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$520/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,063/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$668/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,848
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$641/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,961 · 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).