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$11,875
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$375/mo
Today · 4.125%
HK$12,619
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,238/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$359/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,658
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,848/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$450/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$16,064
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$431/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$526/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$504/mo
Today · 4.125%
HK$19,494
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$38,988/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$676/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$24,097
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,779
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$647/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,170 · 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).