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$11,755
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$371/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$760/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,078
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$446/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$912/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$29,982/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$427/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$872/mo
Deposit HK$2.06M · loan HK$3.09M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,969
−HK$520/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,553
+HK$1,064/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$498/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,017/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$668/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,368/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$115,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$640/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,308/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$115,993 · 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).