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$11,932
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$377/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,452
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,360/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,274
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$361/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,729
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$452/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$434/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$528/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,833
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$506/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$679/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$650/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,738 · 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).