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$11,858
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$375/mo
Today · 4.125%
HK$12,602
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,204/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,192
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$359/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,638
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,810/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$449/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$431/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,602
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$525/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$502/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$675/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$646/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,011 · 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).