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$11,855
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$375/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,188
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$359/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,225
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$450/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,826
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$431/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$524/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$503/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$674/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,739
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$646/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,973 · 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).