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$11,760
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$371/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,994/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,083
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$356/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,112
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$446/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,699
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$427/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$873/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,464
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$520/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$498/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$669/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,864
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,549
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$641/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,038 · 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).