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$11,963
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$378/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$362/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,054/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,355
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,802
−HK$453/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,184
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$435/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,720
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$529/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$507/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$681/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,392/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$652/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,580
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,039 · 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).