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$11,800
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$373/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,128
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,480
−HK$357/mo
Today · 4.125%
HK$13,837
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,674/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,160
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$447/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,176
−HK$428/mo
Today · 4.125%
HK$16,604
baseline
▲ 0.50% · 4.625%
HK$17,480
+HK$876/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,208/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,520
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$522/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$500/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$672/mo
Today · 4.125%
HK$22,573
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,373/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,146/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$643/mo
Today · 4.125%
HK$24,907
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,312/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,814/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,438 · 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).