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$11,815
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,183
−HK$373/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$358/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,178
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$448/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,984
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,773
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$429/mo
Today · 4.125%
HK$16,625
baseline
▲ 0.50% · 4.625%
HK$17,502
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,250/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,541
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,056
−HK$523/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,648
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,402
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,896
−HK$500/mo
Today · 4.125%
HK$19,396
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,023/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,792/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$672/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,976
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,660
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$644/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,315/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,586 · 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).