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$11,808
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$373/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,137
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,489
−HK$357/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,170
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$447/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,187
−HK$429/mo
Today · 4.125%
HK$16,616
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,232/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$522/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,637
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$501/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$672/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$643/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,516 · 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).