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$11,849
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$374/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,184/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,182
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$358/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$450/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,818
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$430/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$524/mo
Today · 4.125%
HK$17,629
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,258/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$502/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$674/mo
Today · 4.125%
HK$22,666
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,332/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$646/mo
Today · 4.125%
HK$25,010
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,020/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,919 · 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).