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$11,762
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$371/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,998/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,085
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$356/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,114
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$446/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,912
+HK$913/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,702
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,123
−HK$427/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$873/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,467
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$520/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,319
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$499/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,326
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$669/mo
Today · 4.125%
HK$22,499
baseline
▲ 0.50% · 4.625%
HK$23,868
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,998/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$641/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,134
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,058 · 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).