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$11,950
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$377/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,398/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,294
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$361/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,751
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$453/mo
Today · 4.125%
HK$15,239
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,478/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,953
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$434/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,730
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$529/mo
Today · 4.125%
HK$17,779
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,558/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,612
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$506/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$680/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$651/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,914 · 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).