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$11,797
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$373/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,124
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$357/mo
Today · 4.125%
HK$13,833
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,666/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,156
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$447/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,749
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$429/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,475
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$522/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$500/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$671/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,373/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$643/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,312/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,405 · 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).