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$11,859
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$375/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,206/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,193
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$359/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,812/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$449/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,246/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$431/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,603
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,119
−HK$525/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$502/mo
Today · 4.125%
HK$19,468
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,936/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,347
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$674/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$646/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,019 · 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).