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$11,763
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$372/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,002/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,086
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$356/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,116
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$446/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$912/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$427/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$872/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$521/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$498/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$669/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$641/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,069 · 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).