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$11,790
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$373/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$762/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,060/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,117
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$357/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,148
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$448/mo
Today · 4.125%
HK$15,036
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,072/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$428/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,465
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$521/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$499/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$670/mo
Today · 4.125%
HK$22,553
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,373/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,106/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$642/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,339 · 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).