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$737/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$372/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,004/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,088
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$356/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$727/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,590/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,117
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$446/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$913/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$30,006/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,705
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,127
−HK$427/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$873/mo
Deposit HK$2.06M · loan HK$3.10M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$520/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,568
+HK$1,065/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$499/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,018/mo
Deposit HK$1.55M · loan HK$3.61M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$669/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,369/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$641/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,309/mo
Deposit HK$516K · loan HK$4.64M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$116,085 · 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).