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$11,971
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$378/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,442/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,317
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$363/mo
Today · 4.125%
HK$14,037
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,074/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,365
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$454/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$435/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$530/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$1,084/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$508/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,547
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$681/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$652/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,598
+HK$1,332/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,120 · 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).