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$11,778
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$372/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,034/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,103
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$356/mo
Today · 4.125%
HK$13,811
baseline
▲ 0.50% · 4.625%
HK$14,539
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,622/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$447/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$913/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$428/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,447
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$521/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,590
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$499/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,355
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$670/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$642/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,310/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,223 · 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).