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$11,858
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$375/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,368
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,202/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,191
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$359/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$449/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$431/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$525/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$503/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$674/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,003 · 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).