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$11,856
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$374/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,198/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$359/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,804/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,227
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$450/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$16,039
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,238/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$430/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$525/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$503/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,340
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$675/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$646/mo
Today · 4.125%
HK$25,024
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,048/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,985 · 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).