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$751/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$379/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,444/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,318
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$362/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$118,122 · 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$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$435/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$529/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$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$507/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,036/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$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,548
−HK$1,351/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$118,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$652/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,332/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,122 · 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).