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$11,788
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,154
−HK$373/mo
Today · 4.125%
HK$12,527
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,054/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$357/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,551
+HK$729/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$447/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$429/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,461
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$522/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$499/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$670/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$642/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,313 · 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).