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$11,821
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$373/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,327
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,124/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$358/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,722/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,626
−HK$449/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$429/mo
Today · 4.125%
HK$16,633
baseline
▲ 0.50% · 4.625%
HK$17,510
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,266/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,549
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$523/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$501/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,022/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$672/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,376/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,671
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,306
−HK$644/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,315/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,641 · 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).