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$11,954
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$378/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,299
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$362/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,345
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$453/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,172
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$435/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$886/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,736
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$529/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,570/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$506/mo
Today · 4.125%
HK$19,624
baseline
▲ 0.50% · 4.625%
HK$20,659
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,248/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,187
−HK$680/mo
Today · 4.125%
HK$22,867
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,734/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,938
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,580
−HK$651/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,955 · 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).