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$11,826
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$373/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,332
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,134/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,156
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$358/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,598
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,734/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,191
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$449/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,787
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,211
−HK$429/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,517
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,556
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$523/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,419
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$502/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,286
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,949
−HK$672/mo
Today · 4.125%
HK$22,621
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,377/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,242/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,681
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$644/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,689 · 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).