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$747/mo
▼ 0.25% · 3.875%
HK$12,293
−HK$377/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,340/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,264
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$361/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,960/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$452/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,916
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$433/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$527/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$505/mo
Today · 4.125%
HK$19,572
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,144/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$678/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,194
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$650/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,326/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$117,644 · 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).