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$11,824
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$373/mo
Today · 4.125%
HK$12,565
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,130/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,154
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$358/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,595
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,189
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$448/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$918/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$430/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$523/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,416
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$501/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,283
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,945
−HK$673/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,376/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,677
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,312
−HK$644/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,272
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,670 · 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).