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$11,795
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,162
−HK$373/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,070/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,122
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,474
−HK$357/mo
Today · 4.125%
HK$13,831
baseline
▲ 0.50% · 4.625%
HK$14,560
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,662/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$447/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,169
−HK$428/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,472
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,513
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$522/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$499/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$671/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,373/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$643/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,312/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,388 · 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).