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$11,848
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$375/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,182/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,181
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,534
−HK$359/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,217
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$449/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$16,028
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$430/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$524/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,700
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,453
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,948
−HK$502/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$674/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$646/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,906 · 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).