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$11,948
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$377/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,394/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,292
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,649
−HK$361/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,749
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$453/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,164
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$434/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,699
+HK$887/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$528/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$507/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$679/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$651/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,329/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,897 · 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).