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$11,803
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$373/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$358/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$447/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,104/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$429/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$522/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$500/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$671/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,636
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$643/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,468 · 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).