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$11,766
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$372/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,008/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$356/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,119
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,558
−HK$446/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,707
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$427/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,429
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$520/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,570
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,325
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$498/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,179
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,837
−HK$670/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$641/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,098 · 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).