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$12,126
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,503
−HK$383/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,490
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$367/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$750/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$460/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$440/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$17,961
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,976
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$536/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$19,138
+HK$1,098/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,885
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,392
−HK$514/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,049/mo
Deposit HK$1.60M · loan HK$3.72M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$690/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,411/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,281
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$661/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,349/mo
Deposit HK$532K · loan HK$4.79M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,647 · 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).