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$12,187
−HK$374/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$764/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$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$358/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$730/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$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,183
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$448/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$429/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,508
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$523/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$501/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,275
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,937
−HK$672/mo
Today · 4.125%
HK$22,609
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,376/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$45,218/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$644/mo
Today · 4.125%
HK$24,947
baseline
▲ 0.50% · 4.625%
HK$26,262
+HK$1,315/mo
Deposit HK$518K · loan HK$4.67M · min. income ≈ HK$49,894/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,628 · 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).