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$11,871
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$375/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,230/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$359/mo
Today · 4.125%
HK$13,920
baseline
▲ 0.50% · 4.625%
HK$14,654
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,840/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$451/mo
Today · 4.125%
HK$15,139
baseline
▲ 0.50% · 4.625%
HK$16,060
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,278/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,273
−HK$431/mo
Today · 4.125%
HK$16,704
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,408/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,619
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$526/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$676/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$24,089
+HK$1,381/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,771
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$647/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,135 · 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).