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$11,864
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,233
−HK$375/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,375
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,216/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,199
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,553
−HK$359/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,824/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,237
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$450/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$16,051
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,260/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,839
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,264
−HK$430/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$525/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,479
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$503/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,356
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,020
−HK$675/mo
Today · 4.125%
HK$22,695
baseline
▲ 0.50% · 4.625%
HK$24,076
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,390/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,758
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$647/mo
Today · 4.125%
HK$25,042
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,084/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,069 · 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).