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$11,846
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$375/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,178/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$359/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,215
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$450/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$431/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$524/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$502/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$674/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,721
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$645/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,889 · 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).