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$11,929
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$377/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,354/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,271
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$361/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,725
+HK$737/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,315
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$452/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$433/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,700
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$528/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,579
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,077
−HK$506/mo
Today · 4.125%
HK$19,583
baseline
▲ 0.50% · 4.625%
HK$20,615
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,166/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,140
−HK$678/mo
Today · 4.125%
HK$22,818
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,636/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$650/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,706 · 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).