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$11,934
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$377/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,364/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,277
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$361/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$453/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$434/mo
Today · 4.125%
HK$16,793
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,586/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$528/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$505/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,481
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$678/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,390/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$650/mo
Today · 4.125%
HK$25,189
baseline
▲ 0.50% · 4.625%
HK$26,517
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,378/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,758 · 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).