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$11,792
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$373/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,062/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,118
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$357/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$447/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,074/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$428/mo
Today · 4.125%
HK$16,592
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,184/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,508
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$521/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$499/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$671/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,612
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$642/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,352 · 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).