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$11,789
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,156
−HK$372/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,115
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,467
−HK$357/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$447/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$428/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,463
+HK$874/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,505
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$522/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$500/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$670/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$642/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,328 · 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).