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$749/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$378/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,374/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,281
−HK$717/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$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,326
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$453/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,150
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,937
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$433/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$886/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$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$528/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$1,081/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$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$506/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,488
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,157
−HK$679/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,389/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,906
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$650/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,328/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,796 · 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).