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$11,862
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$375/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,212/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$359/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$450/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,835
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$431/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$525/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$503/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$674/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,753
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$647/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,045 · 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).