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$11,970
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$378/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,440/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,316
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$363/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,072/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,364
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$454/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$435/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,731
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$529/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,084/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$507/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,036/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$681/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,332/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,110 · 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).