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$11,816
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$373/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,114/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$357/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,586
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,179
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$448/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$430/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,057
−HK$523/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$1,070/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$501/mo
Today · 4.125%
HK$19,398
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,796/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,269
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$672/mo
Today · 4.125%
HK$22,603
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,206/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$644/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,593 · 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).