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$11,952
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$377/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,402/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,296
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$362/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,030/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,788
−HK$454/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,169
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,484/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$435/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,704
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,253
−HK$529/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,864
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,615
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$506/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$680/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$651/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,556
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,932 · 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).