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$11,811
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$373/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,102/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,139
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$358/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,579
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,173
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$448/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$429/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,535
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$523/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$501/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$672/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$643/mo
Today · 4.125%
HK$24,928
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,856/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,539 · 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).