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$11,847
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$375/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,180/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$358/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,624
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,658
−HK$449/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,815
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,239
−HK$431/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$878/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,585
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$524/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$502/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,025/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,987
−HK$674/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,723
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$645/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,318/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$116,895 · 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).