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$11,948
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$378/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,394/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,292
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$362/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,748
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,472/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,378
−HK$434/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,698
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$529/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$507/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,506
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$679/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,925
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,567
−HK$650/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,891 · 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).