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$11,949
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$377/mo
Today · 4.125%
HK$12,698
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,396/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$361/mo
Today · 4.125%
HK$14,011
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,022/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$453/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,165
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,952
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$434/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,700
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$529/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,611
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$506/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,508
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,177
−HK$680/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$651/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,329/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,906 · 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).