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$11,753
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$371/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,980/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,075
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$356/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,104
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$446/mo
Today · 4.125%
HK$14,988
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,976/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,111
−HK$427/mo
Today · 4.125%
HK$16,538
baseline
▲ 0.50% · 4.625%
HK$17,410
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,076/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,454
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$520/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,305
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,796
−HK$498/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,311
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$668/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,368/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$640/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,308/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,972 · 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).