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$11,854
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$375/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,188
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$359/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,225
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$449/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$430/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$525/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$502/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,486
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,001
−HK$675/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,379/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$645/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,970 · 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).