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$11,817
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$373/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,116/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,146
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$358/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,181
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$448/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,776
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,199
−HK$429/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,504
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,544
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$522/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$1,070/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$500/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,023/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,271
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$673/mo
Today · 4.125%
HK$22,605
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,210/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$644/mo
Today · 4.125%
HK$24,942
baseline
▲ 0.50% · 4.625%
HK$26,257
+HK$1,315/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,884/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,603 · 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).