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$11,813
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$373/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$357/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,616
−HK$448/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,981
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,770
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$429/mo
Today · 4.125%
HK$16,622
baseline
▲ 0.50% · 4.625%
HK$17,498
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,244/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,538
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$523/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$501/mo
Today · 4.125%
HK$19,392
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,022/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,784/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,263
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$672/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,375/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$644/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,314/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,559 · 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).