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$11,800
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$373/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,127
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$357/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,160
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$447/mo
Today · 4.125%
HK$15,047
baseline
▲ 0.50% · 4.625%
HK$15,963
+HK$916/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,094/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,752
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$428/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,479
+HK$876/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$522/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$500/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$671/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,945
+HK$1,374/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$643/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,313/mo
Deposit HK$517K · loan HK$4.66M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,431 · 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).