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$11,968
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$378/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,436/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,314
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$362/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,808
−HK$454/mo
Today · 4.125%
HK$15,262
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,524/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,977
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$435/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,276
−HK$529/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,889
+HK$1,084/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,139
−HK$508/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$681/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,965
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$652/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,089 · 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).