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$11,828
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$374/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,140/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$358/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,194
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$449/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,790
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,214
−HK$429/mo
Today · 4.125%
HK$16,643
baseline
▲ 0.50% · 4.625%
HK$17,521
+HK$878/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,286/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,559
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$523/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,422
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$501/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,441
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$672/mo
Today · 4.125%
HK$22,625
baseline
▲ 0.50% · 4.625%
HK$24,002
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,250/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$645/mo
Today · 4.125%
HK$24,965
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,930/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,710 · 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).