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$11,956
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$378/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,412/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,301
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$362/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,794
−HK$453/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,175
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,961
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$434/mo
Today · 4.125%
HK$16,824
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,648/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$529/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$507/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,521
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$680/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$652/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,977 · 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).