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$11,956
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$378/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,412/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,301
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$362/mo
Today · 4.125%
HK$14,019
baseline
▲ 0.50% · 4.625%
HK$14,758
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,038/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$454/mo
Today · 4.125%
HK$15,247
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$927/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,494/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,961
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$434/mo
Today · 4.125%
HK$16,823
baseline
▲ 0.50% · 4.625%
HK$17,710
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,646/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$529/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,870
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$507/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$680/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,392/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$652/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,565
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,972 · 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).