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$11,835
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,203
−HK$374/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,154/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,166
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$358/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$448/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$430/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$524/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$501/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,965
−HK$674/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,699
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$644/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,779 · 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).