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$11,969
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$379/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,494
+HK$774/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,440/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,315
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$363/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$740/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,363
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$453/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,978
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$435/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,729
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$529/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,891
+HK$1,084/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$508/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$681/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,393/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$653/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,331/mo
Deposit HK$525K · loan HK$4.72M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,102 · 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).