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$11,961
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,333
−HK$378/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,485
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,422/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,307
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,663
−HK$362/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$453/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,181
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,396
−HK$435/mo
Today · 4.125%
HK$16,831
baseline
▲ 0.50% · 4.625%
HK$17,718
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,662/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,745
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$530/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$507/mo
Today · 4.125%
HK$19,636
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,272/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,530
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,200
−HK$680/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,392/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$652/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,024 · 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).