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$11,845
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$374/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,354
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,176/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,178
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$359/mo
Today · 4.125%
HK$13,890
baseline
▲ 0.50% · 4.625%
HK$14,622
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,780/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,214
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$450/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,212/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,813
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$431/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,546
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,583
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$524/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,246/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$501/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$673/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,379/mo
Deposit HK$519K · loan HK$4.68M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$645/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,318/mo
Deposit HK$519K · loan HK$4.68M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,881 · 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).