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$11,866
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$375/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,220/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,200
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$359/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,239
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$450/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,264/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,840
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,265
−HK$431/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,576
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,612
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$525/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,480
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$503/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,022
−HK$675/mo
Today · 4.125%
HK$22,697
baseline
▲ 0.50% · 4.625%
HK$24,078
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,394/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$646/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,082 · 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).