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$11,765
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$372/mo
Today · 4.125%
HK$12,503
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,006/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$356/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,118
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$447/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,128
−HK$427/mo
Today · 4.125%
HK$16,555
baseline
▲ 0.50% · 4.625%
HK$17,428
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,110/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$520/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$498/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,177
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$669/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,370/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$641/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,091 · 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).