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$11,855
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$375/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,365
+HK$766/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,198/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$358/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,634
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$449/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$920/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$431/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$879/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,597
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$524/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$1,073/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$502/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,026/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$675/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$24,058
+HK$1,380/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,740
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$646/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,319/mo
Deposit HK$520K · loan HK$4.68M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$116,980 · 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).