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$11,932
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$377/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,360/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,274
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$361/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$737/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$453/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$433/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$528/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$505/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,145
−HK$679/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$650/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,734 · 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).