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$11,805
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,092/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$357/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$448/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,971
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,110/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,760
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,183
−HK$429/mo
Today · 4.125%
HK$16,612
baseline
▲ 0.50% · 4.625%
HK$17,487
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,224/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$522/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$500/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$671/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,640
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$643/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,488 · 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).