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$11,792
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$372/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,062/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,118
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$357/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,654/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,150
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$448/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,076/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,164
−HK$429/mo
Today · 4.125%
HK$16,593
baseline
▲ 0.50% · 4.625%
HK$17,467
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,186/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,509
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$522/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$500/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$671/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$643/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,355 · 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).