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$11,836
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$374/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,156/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$358/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,203
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,645
−HK$448/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$16,012
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$430/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,308/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,570
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,085
−HK$524/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,434
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$502/mo
Today · 4.125%
HK$19,430
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,860/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$673/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$645/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,787 · 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).