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$11,806
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,092/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,134
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$358/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,608
−HK$448/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$429/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$522/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,634
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,881
−HK$500/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,912
−HK$672/mo
Today · 4.125%
HK$22,584
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,168/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$643/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,495 · 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).