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$11,967
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$379/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,436/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$363/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$454/mo
Today · 4.125%
HK$15,261
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,522/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,976
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$435/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$530/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,139
−HK$507/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$681/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$652/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,084 · 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).