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$11,953
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$378/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,475
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,404/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$362/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,032/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,343
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$454/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$927/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$434/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$886/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,734
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$529/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$507/mo
Today · 4.125%
HK$19,622
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,244/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,515
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$680/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$651/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,941 · 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).