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$11,862
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$375/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$359/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$449/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,835
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$430/mo
Today · 4.125%
HK$16,690
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,380/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,606
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$524/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,721
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$502/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$675/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$647/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,042 · 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).