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$11,747
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$371/mo
Today · 4.125%
HK$12,484
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$759/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,968/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,069
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$356/mo
Today · 4.125%
HK$13,775
baseline
▲ 0.50% · 4.625%
HK$14,501
+HK$726/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,550/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,097
−HK$884/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$446/mo
Today · 4.125%
HK$14,981
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$911/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,962/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,682
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$427/mo
Today · 4.125%
HK$16,530
baseline
▲ 0.50% · 4.625%
HK$17,401
+HK$871/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,060/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$519/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$498/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,016/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,145
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$668/mo
Today · 4.125%
HK$22,471
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,367/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,942/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,154
−HK$640/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,307/mo
Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,913 · 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).