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$11,930
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$377/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,356/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,272
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$361/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$737/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,316
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$453/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,926
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$434/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$528/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,079
−HK$506/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,474
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,142
−HK$679/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$650/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,717 · 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).