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$11,798
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$372/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,125
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,477
−HK$357/mo
Today · 4.125%
HK$13,834
baseline
▲ 0.50% · 4.625%
HK$14,563
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,668/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,157
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,598
−HK$447/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,750
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$429/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,476
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,517
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$522/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,375
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$500/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$671/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,374/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$643/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,313/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,412 · 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).