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$11,925
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$377/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,344/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$361/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,309
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$452/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$433/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,664
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,694
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,214
−HK$527/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,821
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,572
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,070
−HK$506/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$678/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$650/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,326/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,664 · 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).