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$11,844
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$374/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,172/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$359/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$732/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,776/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$449/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$919/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$431/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,581
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$524/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$1,072/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$502/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$674/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,378/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$645/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,318/mo
Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,867 · 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).