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$11,834
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$374/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$765/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,152/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,165
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$358/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$732/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,201
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$449/mo
Today · 4.125%
HK$15,091
baseline
▲ 0.50% · 4.625%
HK$16,009
+HK$918/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,182/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,798
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,222
−HK$429/mo
Today · 4.125%
HK$16,651
baseline
▲ 0.50% · 4.625%
HK$17,529
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,302/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$523/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,071/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$502/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,301
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$673/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$24,014
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$645/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,768 · 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).