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$11,794
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$372/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$357/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,558
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,152
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,593
−HK$447/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,167
−HK$428/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,470
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$522/mo
Today · 4.125%
HK$17,547
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,094/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$500/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$671/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,373/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$643/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,373 · 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).