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$738/mo
▼ 0.25% · 3.875%
HK$12,143
−HK$372/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,277
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,030/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,102
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$357/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,537
+HK$727/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$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,132
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,572
−HK$447/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$913/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$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,722
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$427/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,445
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,207 · 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$18,588
+HK$1,066/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$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,834
−HK$499/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,352
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$670/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,371/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$641/mo
Today · 4.125%
HK$24,857
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,310/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,714/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,207 · 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).