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$11,832
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$374/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,148/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$358/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$732/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,748/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,199
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,640
−HK$449/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$429/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,298/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$524/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$501/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,298
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$673/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$645/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,753 · 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).