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$11,945
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$377/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,388/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,289
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$361/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,334
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,780
−HK$453/mo
Today · 4.125%
HK$15,233
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,466/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,947
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$434/mo
Today · 4.125%
HK$16,809
baseline
▲ 0.50% · 4.625%
HK$17,695
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,618/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,724
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,244
−HK$528/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$506/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,502
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$679/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,562
−HK$651/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,870 · 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).