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$11,853
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$375/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,192/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,186
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$358/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,223
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$449/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,823
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,247
−HK$431/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$524/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$503/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$675/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$646/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,954 · 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).