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$11,965
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$378/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,430/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,311
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$362/mo
Today · 4.125%
HK$14,030
baseline
▲ 0.50% · 4.625%
HK$14,769
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,060/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,804
−HK$454/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,401
−HK$435/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,723
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$529/mo
Today · 4.125%
HK$17,801
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$1,083/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,602/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$507/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$681/mo
Today · 4.125%
HK$22,887
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,774/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,959
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,602
−HK$651/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,585
+HK$1,332/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,060 · 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).