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$11,877
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$376/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,244/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,213
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$360/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,661
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,252
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$451/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$16,067
+HK$921/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$431/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,424/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$525/mo
Today · 4.125%
HK$17,670
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,340/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$503/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$676/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$647/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,192 · 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).