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$11,831
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$374/mo
Today · 4.125%
HK$12,573
baseline
▲ 0.50% · 4.625%
HK$13,338
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,146/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$358/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$732/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,198
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$449/mo
Today · 4.125%
HK$15,088
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,176/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,795
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$430/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,526
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$524/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$502/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$673/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,692
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$644/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,745 · 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).