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$11,957
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$377/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$774/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$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$362/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$739/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,040/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,348
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,794
−HK$454/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,962
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,390
−HK$434/mo
Today · 4.125%
HK$16,824
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$887/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,648/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$529/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$506/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,663
+HK$1,035/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$681/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,391/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$652/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,330/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,981 · 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).