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$11,829
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$373/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$765/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$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,159
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,512
−HK$358/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,194
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$449/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$16,002
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,791
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,215
−HK$429/mo
Today · 4.125%
HK$16,644
baseline
▲ 0.50% · 4.625%
HK$17,522
+HK$878/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,288/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$524/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,423
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$501/mo
Today · 4.125%
HK$19,418
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,836/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$673/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,004
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$644/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,282
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,718 · 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).