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$11,857
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$375/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,202/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,191
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$358/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,636
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,806/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$450/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,829
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$431/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,368/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$525/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$503/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$675/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$646/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,997 · 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).