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$11,838
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$374/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,160/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$358/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,205
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$449/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$919/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$30,192/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$430/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$878/mo
Deposit HK$2.08M · loan HK$3.11M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$524/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$501/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.63M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,308
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,971
−HK$673/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$645/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,317/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,807 · 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).