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$11,815
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$373/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,319
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,110/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,144
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,496
−HK$358/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,177
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$449/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,772
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,195
−HK$429/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,501
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$523/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$501/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$672/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,658
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$644/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,578 · 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).