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$11,808
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,096/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,136
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$357/mo
Today · 4.125%
HK$13,845
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,690/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,169
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$448/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,186
−HK$429/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,531
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$522/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,883
−HK$501/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$671/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$643/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,509 · 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).