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$11,833
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$374/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$766/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,150/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,164
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$359/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,607
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,200
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$448/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$430/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$877/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$523/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$502/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$674/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$645/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,763 · 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).