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$11,845
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$374/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,174/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$359/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$449/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,236
−HK$431/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$501/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$674/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,379/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$645/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,318/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,875 · 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).