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$11,840
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$374/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,166/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,172
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$359/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$449/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$430/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$524/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,688
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,232/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,936
−HK$501/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,462
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,313
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$674/mo
Today · 4.125%
HK$22,649
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,298/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$645/mo
Today · 4.125%
HK$24,991
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,982/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,832 · 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).