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$11,860
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,229
−HK$375/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,208/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,194
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$359/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,232
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$450/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$16,045
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$431/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,568
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$525/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$502/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$674/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,381/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$646/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,320/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$117,025 · 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).