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$11,793
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,160
−HK$373/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$762/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,120
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$357/mo
Today · 4.125%
HK$13,828
baseline
▲ 0.50% · 4.625%
HK$14,557
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,656/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,152
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$447/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,954
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,166
−HK$428/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,469
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$522/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$1,067/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$500/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,020/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,227
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$671/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,372/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$642/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,312/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,366 · 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).