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$11,813
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$373/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,318
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,108/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$357/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,583
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,176
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$448/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,771
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,194
−HK$429/mo
Today · 4.125%
HK$16,623
baseline
▲ 0.50% · 4.625%
HK$17,499
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,246/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,539
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$523/mo
Today · 4.125%
HK$17,576
baseline
▲ 0.50% · 4.625%
HK$18,645
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,152/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,399
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$500/mo
Today · 4.125%
HK$19,393
baseline
▲ 0.50% · 4.625%
HK$20,416
+HK$1,023/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,786/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$672/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$643/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,315/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,568 · 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).