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$11,784
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$373/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$762/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,046/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,109
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$357/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,141
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$446/mo
Today · 4.125%
HK$15,027
baseline
▲ 0.50% · 4.625%
HK$15,942
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,054/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$428/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,455
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,162/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$521/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,353
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$499/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$670/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$642/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,311/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,276 · 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).