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$11,795
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$373/mo
Today · 4.125%
HK$12,534
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,068/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$357/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$447/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$915/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$428/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$875/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$522/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,370
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$499/mo
Today · 4.125%
HK$19,362
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,724/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$671/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,934
+HK$1,372/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$643/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,312/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,382 · 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).