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$11,941
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$378/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,462
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,284
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$362/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,740
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,329
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,775
−HK$453/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,154
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$434/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$886/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,717
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$529/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,598
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,097
−HK$506/mo
Today · 4.125%
HK$19,603
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,206/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,162
−HK$679/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$650/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,825 · 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).