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$11,839
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$374/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,164/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,171
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$359/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,207
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,649
−HK$449/mo
Today · 4.125%
HK$15,098
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,196/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,805
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$430/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$524/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$502/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$673/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$24,025
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$645/mo
Today · 4.125%
HK$24,989
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,978/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,823 · 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).