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$11,821
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$374/mo
Today · 4.125%
HK$12,563
baseline
▲ 0.50% · 4.625%
HK$13,327
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,126/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,151
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$358/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,185
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$448/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,992
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$430/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,550
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,065
−HK$523/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$501/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$673/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,375/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,307
−HK$644/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,315/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,644 · 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).