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$12,015
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$379/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,536/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$364/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,831
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$456/mo
Today · 4.125%
HK$15,322
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,644/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$436/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$532/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$509/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,299
−HK$684/mo
Today · 4.125%
HK$22,983
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,966/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$654/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,337/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,555 · 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).