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$11,841
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$375/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$765/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,168/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,173
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$359/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,770/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,209
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$449/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,200/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,808
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$430/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,324/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$524/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$502/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,024/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$673/mo
Today · 4.125%
HK$22,650
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,379/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,300/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,711
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$645/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,310
+HK$1,318/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,840 · 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).