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$11,875
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$375/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,240/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$360/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,850/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$450/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$431/mo
Today · 4.125%
HK$16,710
baseline
▲ 0.50% · 4.625%
HK$17,591
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,420/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$525/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$503/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$676/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$24,098
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$647/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,386
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,178 · 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).