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$11,772
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$372/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,020/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,096
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$357/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,608/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,126
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$446/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$427/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$521/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,335
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$499/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,189
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$669/mo
Today · 4.125%
HK$22,518
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,370/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$45,036/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,573
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$642/mo
Today · 4.125%
HK$24,847
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,309/mo
Deposit HK$516K · loan HK$4.65M · min. income ≈ HK$49,694/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,158 · 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).