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$11,833
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$374/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,150/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,164
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$358/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,750/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,199
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$449/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,220
−HK$430/mo
Today · 4.125%
HK$16,650
baseline
▲ 0.50% · 4.625%
HK$17,527
+HK$877/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,300/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$523/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$502/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$673/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,330
−HK$645/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,756 · 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).