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$11,809
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$373/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,100/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,138
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$358/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,696/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,171
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$448/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,188
−HK$429/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,493
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,533
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$523/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$501/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,257
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$672/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,648
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,282
−HK$644/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,240
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,527 · 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).