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$11,863
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$375/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,214/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,197
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$359/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,820/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,235
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$431/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$524/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,476
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$502/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,353
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$675/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,755
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$647/mo
Today · 4.125%
HK$25,039
baseline
▲ 0.50% · 4.625%
HK$26,358
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,078/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,055 · 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).