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$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$359/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,236
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$450/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,838
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$431/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,609
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$525/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$503/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$675/mo
Today · 4.125%
HK$22,694
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,388/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,757
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,394
−HK$646/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,360
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,062 · 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).