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$11,820
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$373/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,122/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,150
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$358/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,591
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,184
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$449/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,991
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,148/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,780
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,203
−HK$429/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,509
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,548
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$523/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$501/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,276
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$672/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,376/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$644/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,315/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,633 · 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).