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$11,937
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$377/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,370/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,636
−HK$361/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$452/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,148
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,935
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$433/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$886/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$528/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$506/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,154
−HK$679/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,390/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$650/mo
Today · 4.125%
HK$25,194
baseline
▲ 0.50% · 4.625%
HK$26,522
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,388/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,783 · 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).