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$11,850
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$375/mo
Today · 4.125%
HK$12,593
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,186/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,183
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$359/mo
Today · 4.125%
HK$13,895
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,790/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,220
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$449/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,819
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$431/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$524/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,456
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$502/mo
Today · 4.125%
HK$19,453
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,906/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$674/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$646/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,925 · 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).