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$11,977
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$378/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,456/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,324
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$362/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,373
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$454/mo
Today · 4.125%
HK$15,274
baseline
▲ 0.50% · 4.625%
HK$16,203
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,548/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$435/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,742
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$529/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$508/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,559
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,229
−HK$682/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,627
−HK$653/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,183 · 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).