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$11,770
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$372/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,016/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$356/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$446/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$914/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,712
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$427/mo
Today · 4.125%
HK$16,561
baseline
▲ 0.50% · 4.625%
HK$17,434
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,122/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$521/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,576
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,331
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$499/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,186
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$669/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,370/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,569
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,201
−HK$641/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,309/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,136 · 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).