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$11,954
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$378/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,406/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,298
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$362/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,756
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,344
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$454/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,171
+HK$927/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$434/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,707
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$528/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$506/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,658
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$680/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$651/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,560
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,950 · 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).