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$11,801
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$373/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,304
+HK$763/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,082/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,129
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$357/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,567
+HK$729/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$447/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$916/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$429/mo
Today · 4.125%
HK$16,606
baseline
▲ 0.50% · 4.625%
HK$17,481
+HK$875/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,212/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,522
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$523/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$1,068/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,380
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$500/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,021/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,242
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$671/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,374/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$643/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,313/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$116,446 · 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).