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$11,853
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$375/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$359/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,224
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$449/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$16,036
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$430/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$524/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$502/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$674/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$646/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,962 · 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).