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$11,896
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$376/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,284/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,235
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$361/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,900/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,276
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,720
−HK$451/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,342/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,881
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$432/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,622
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,478/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$526/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$504/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,413
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$677/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$648/mo
Today · 4.125%
HK$25,109
baseline
▲ 0.50% · 4.625%
HK$26,433
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,218/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,385 · 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).