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$11,943
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$377/mo
Today · 4.125%
HK$12,692
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,384/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,286
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$361/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,008/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,332
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,777
−HK$453/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,157
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,460/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,371
−HK$434/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$529/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,850
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,100
−HK$506/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,166
−HK$680/mo
Today · 4.125%
HK$22,846
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,692/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,916
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,557
−HK$651/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,329/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,846 · 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).