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$11,826
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$374/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,136/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,157
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$358/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,599
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,192
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$449/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,164/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$429/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,518
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,557
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$523/mo
Today · 4.125%
HK$17,595
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,190/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$501/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,288
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$673/mo
Today · 4.125%
HK$22,623
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,376/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,246/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$645/mo
Today · 4.125%
HK$24,962
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,924/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,696 · 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).