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$11,837
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$374/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$766/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$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$358/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,760/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$449/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$16,014
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,802
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,226
−HK$430/mo
Today · 4.125%
HK$16,656
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,312/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$524/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$502/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$674/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,703
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$645/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,301
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,800 · 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).