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$11,750
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$371/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,974/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$355/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$445/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,896
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,686
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$427/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,405
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,068/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,450
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$520/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$497/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,808
−HK$669/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$640/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,943 · 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).