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$11,939
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$378/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,376/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$362/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$453/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$927/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$434/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$528/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$505/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,490
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,159
−HK$679/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,389/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$650/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,806 · 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).