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$11,836
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$374/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,158/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,168
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$358/mo
Today · 4.125%
HK$13,879
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,758/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$448/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$430/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,533
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$524/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,220/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,435
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,929
−HK$502/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,455
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$674/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$645/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,794 · 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).