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$11,928
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$377/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,352/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,269
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,625
−HK$361/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,759
−HK$452/mo
Today · 4.125%
HK$15,211
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,422/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$434/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$528/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$505/mo
Today · 4.125%
HK$19,581
baseline
▲ 0.50% · 4.625%
HK$20,613
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,162/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,470
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$678/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,205
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$650/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,695 · 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).