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$11,963
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$378/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$363/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,056/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,355
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$454/mo
Today · 4.125%
HK$15,256
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,512/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$434/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$529/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$507/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$680/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$652/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,330/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,041 · 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).