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$11,880
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$376/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,250/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,216
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$359/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,860/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,256
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$451/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,300/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$431/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$526/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$503/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$676/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$647/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,222 · 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).