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$11,805
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$373/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,090/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$357/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,166
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$447/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,182
−HK$429/mo
Today · 4.125%
HK$16,611
baseline
▲ 0.50% · 4.625%
HK$17,486
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,222/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$522/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$500/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$671/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$643/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,483 · 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).