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$11,958
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$378/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,416/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,303
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$362/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$453/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$434/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,741
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$529/mo
Today · 4.125%
HK$17,791
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,582/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,624
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$507/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$680/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,392/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$651/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,331/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,993 · 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).