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$11,874
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$375/mo
Today · 4.125%
HK$12,618
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,236/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$359/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$450/mo
Today · 4.125%
HK$15,142
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,284/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,851
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$431/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,589
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,416/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$526/mo
Today · 4.125%
HK$17,666
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,332/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,989
−HK$503/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,520
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$675/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$24,095
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,415
−HK$647/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,383
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,163 · 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).