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$11,830
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$374/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,144/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,160
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$358/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$732/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,196
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$449/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,172/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$430/mo
Today · 4.125%
HK$16,646
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$877/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,292/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$523/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$501/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$673/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$24,006
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,689
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$645/mo
Today · 4.125%
HK$24,969
baseline
▲ 0.50% · 4.625%
HK$26,285
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,938/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,728 · 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).