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$11,816
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,183
−HK$374/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$764/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$25,114/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,145
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$357/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,586
+HK$731/mo
Deposit HK$2.59M · loan HK$2.59M · min. income ≈ HK$27,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,179
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$448/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$917/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$429/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$877/mo
Deposit HK$2.07M · loan HK$3.11M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,542
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,057
−HK$523/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$1,069/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$500/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,023/mo
Deposit HK$1.55M · loan HK$3.63M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,269
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$672/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,376/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$643/mo
Today · 4.125%
HK$24,939
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,315/mo
Deposit HK$518K · loan HK$4.66M · min. income ≈ HK$49,878/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,592 · 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).