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$11,923
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,294
−HK$377/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,342/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,264
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$361/mo
Today · 4.125%
HK$13,981
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,962/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$453/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,917
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$433/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$528/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$505/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$678/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$649/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,647 · 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).