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$11,955
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$377/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,300
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$362/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,346
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,792
−HK$453/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,173
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,959
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$435/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$886/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$529/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$506/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$680/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,939
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$652/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,962 · 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).