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$11,807
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$373/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,094/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,135
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$357/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,168
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$447/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,762
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,184
−HK$429/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,489
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,529
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$523/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$500/mo
Today · 4.125%
HK$19,382
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,764/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,252
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$672/mo
Today · 4.125%
HK$22,585
baseline
▲ 0.50% · 4.625%
HK$23,959
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,170/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$643/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,500 · 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).