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$11,777
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$372/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,032/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$356/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,620/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,133
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$446/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,723
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$428/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,001
−HK$521/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,343
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$499/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,859
−HK$670/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$641/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,311/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,213 · 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).