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$11,769
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$372/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,014/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,092
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$356/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,527
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,122
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,562
−HK$446/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$428/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,476
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$521/mo
Today · 4.125%
HK$17,509
baseline
▲ 0.50% · 4.625%
HK$18,575
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,018/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$499/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$670/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,370/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$642/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,125 · 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).