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$11,843
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$374/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,172/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,175
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$358/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,774/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,212
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$449/mo
Today · 4.125%
HK$15,103
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,206/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$430/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,543
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$673/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,379/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,716
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$645/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,315
+HK$1,318/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,861 · 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).