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$11,947
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$378/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$773/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,647
−HK$362/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,336
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,782
−HK$453/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$927/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$30,470/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$434/mo
Today · 4.125%
HK$16,811
baseline
▲ 0.50% · 4.625%
HK$17,697
+HK$886/mo
Deposit HK$2.10M · loan HK$3.14M · min. income ≈ HK$33,622/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$528/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$1,082/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$506/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,034/mo
Deposit HK$1.57M · loan HK$3.67M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,504
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$680/mo
Today · 4.125%
HK$22,853
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,390/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$45,706/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,923
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,565
−HK$651/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,545
+HK$1,329/mo
Deposit HK$524K · loan HK$4.72M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$117,884 · 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).