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$11,750
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$371/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,972/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,071
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,422
−HK$356/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$446/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$847/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$427/mo
Today · 4.125%
HK$16,533
baseline
▲ 0.50% · 4.625%
HK$17,405
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,066/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,450
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$520/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,545
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,791
−HK$498/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,149
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$669/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$640/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,938 · 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).