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$12,316
−HK$378/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$772/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$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$361/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,863 · 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$16,159
+HK$926/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$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,946
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$434/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,694
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,616/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,723
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$528/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,604
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$506/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$680/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$650/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,863 · 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).