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$11,933
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$377/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,362/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$362/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$737/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,986/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$453/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,144
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,436/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,931
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,358
−HK$433/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,676
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,582/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$528/mo
Today · 4.125%
HK$17,754
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,508/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,586
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$506/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$679/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$650/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,748 · 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).