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$11,960
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$378/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,014 · 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$14,764
+HK$740/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$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,799
−HK$453/mo
Today · 4.125%
HK$15,252
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,504/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,967
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$434/mo
Today · 4.125%
HK$16,829
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,658/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$529/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,628
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$507/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$680/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,392/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,950
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$652/mo
Today · 4.125%
HK$25,244
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,330/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,488/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,014 · 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).