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$11,802
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$373/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,305
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,084/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,130
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$357/mo
Today · 4.125%
HK$13,839
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,678/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,162
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$448/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,966
+HK$915/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,756
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$429/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$522/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,118/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,382
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$500/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,396
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,905
−HK$671/mo
Today · 4.125%
HK$22,576
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,152/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$643/mo
Today · 4.125%
HK$24,910
baseline
▲ 0.50% · 4.625%
HK$26,223
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,820/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,455 · 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).