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$11,939
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$377/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$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,281
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$361/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,326
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$453/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$434/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,684
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,598/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$528/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$506/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,489
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,158
−HK$679/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,226
+HK$1,389/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$650/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,328/mo
Deposit HK$524K · loan HK$4.71M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,801 · 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).