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$11,942
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,314
−HK$377/mo
Today · 4.125%
HK$12,691
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,382/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,286
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$361/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,331
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$452/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$927/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,458/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,943
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,370
−HK$434/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$886/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,608/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$529/mo
Today · 4.125%
HK$17,768
baseline
▲ 0.50% · 4.625%
HK$18,849
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,536/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$506/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,638
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,496
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,165
−HK$679/mo
Today · 4.125%
HK$22,844
baseline
▲ 0.50% · 4.625%
HK$24,234
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,688/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$650/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,839 · 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).