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$11,940
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$377/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,378/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$361/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$453/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,153
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,454/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,940
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$434/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$886/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$528/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,597
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$506/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$679/mo
Today · 4.125%
HK$22,840
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,680/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$651/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,328/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,818 · 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).