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$11,947
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$377/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$361/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$434/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,622/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$529/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$506/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,505
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$680/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,390/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$651/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,329/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,887 · 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).