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$11,812
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$373/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$358/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,616
−HK$448/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,980
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,769
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,192
−HK$429/mo
Today · 4.125%
HK$16,621
baseline
▲ 0.50% · 4.625%
HK$17,497
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,242/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$522/mo
Today · 4.125%
HK$17,574
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$1,070/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,148/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$500/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,023/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$672/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,654
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$644/mo
Today · 4.125%
HK$24,932
baseline
▲ 0.50% · 4.625%
HK$26,246
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,864/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,556 · 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).