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$11,921
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$377/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,336/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$361/mo
Today · 4.125%
HK$13,978
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,956/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,305
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,750
−HK$452/mo
Today · 4.125%
HK$15,202
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,404/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,914
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$433/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,658
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,689
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$528/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$505/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,125
−HK$678/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,387/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$650/mo
Today · 4.125%
HK$25,161
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,326/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,322/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,626 · 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).