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$11,867
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$375/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,222/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,202
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,556
−HK$360/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,649
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,241
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$450/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,843
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,268
−HK$431/mo
Today · 4.125%
HK$16,699
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,398/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$525/mo
Today · 4.125%
HK$17,656
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,312/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,483
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,979
−HK$503/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$675/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$24,082
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,764
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$647/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,099 · 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).