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$11,959
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$378/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,418/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$362/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,351
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$453/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,179
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,966
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$434/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,715
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,656/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,743
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$529/mo
Today · 4.125%
HK$17,793
baseline
▲ 0.50% · 4.625%
HK$18,876
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,586/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$507/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,668
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,527
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,197
−HK$680/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,392/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$118,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$652/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,573
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$118,008 · 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).