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$11,962
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$378/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,424/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,307
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$362/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$453/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,969
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$435/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,747
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$529/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$507/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,672
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$681/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,392/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$652/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,330/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,032 · 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).