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$11,922
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$377/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,338/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,263
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$361/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,306
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,751
−HK$452/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,406/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,915
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$433/mo
Today · 4.125%
HK$16,775
baseline
▲ 0.50% · 4.625%
HK$17,659
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,550/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$528/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,568
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$505/mo
Today · 4.125%
HK$19,571
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,142/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,459
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,126
−HK$679/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,387/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,873
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$650/mo
Today · 4.125%
HK$25,163
baseline
▲ 0.50% · 4.625%
HK$26,489
+HK$1,326/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,326/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,635 · 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).