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$11,976
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$379/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$363/mo
Today · 4.125%
HK$14,043
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,086/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,371
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$454/mo
Today · 4.125%
HK$15,272
baseline
▲ 0.50% · 4.625%
HK$16,201
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,544/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,987
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$435/mo
Today · 4.125%
HK$16,851
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,702/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$530/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$508/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$681/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$653/mo
Today · 4.125%
HK$25,277
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,554/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,168 · 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).