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$11,951
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,323
−HK$378/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,402/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,296
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$362/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,028/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$453/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,168
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$434/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$529/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,863
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$507/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$680/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$652/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,329/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,929 · 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).