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$11,970
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$378/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,440/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,316
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$362/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,363
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$454/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$434/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$529/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,084/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$508/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,685
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$681/mo
Today · 4.125%
HK$22,896
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,792/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,969
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$652/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,107 · 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).