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$11,937
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$378/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,372/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,636
−HK$361/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,735
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$453/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,149
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$434/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,682
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,712
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$528/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$506/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$679/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,545
−HK$650/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,786 · 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).