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$11,938
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$377/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,372/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$361/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,736
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,325
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$452/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,150
+HK$927/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,937
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,364
−HK$434/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,683
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$529/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$506/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$679/mo
Today · 4.125%
HK$22,835
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,390/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,670/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$650/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,328/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,792 · 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).