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$11,823
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$374/mo
Today · 4.125%
HK$12,565
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,130/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,153
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$358/mo
Today · 4.125%
HK$13,864
baseline
▲ 0.50% · 4.625%
HK$14,595
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,728/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$449/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,995
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,207
−HK$430/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$523/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,661
+HK$1,070/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$501/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,023/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,944
−HK$673/mo
Today · 4.125%
HK$22,617
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,376/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,234/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$644/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,316/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,665 · 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).