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$11,804
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$373/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,132
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$357/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$730/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,165
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$448/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,969
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,106/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,758
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,181
−HK$428/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,485
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$523/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$500/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$671/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$643/mo
Today · 4.125%
HK$24,914
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,828/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,472 · 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).