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$11,754
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$372/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,077
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$356/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$446/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,692
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,113
−HK$427/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,412
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$520/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,307
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$498/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$669/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,538
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,169
−HK$641/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,308/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,985 · 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).