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$11,782
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$372/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,042/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,108
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$357/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,139
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$447/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,940
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,052/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$428/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,495
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$521/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,351
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$499/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,208
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$670/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$642/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,262 · 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).