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$11,926
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,297
−HK$377/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,445
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$361/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$737/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,968/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,311
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,756
−HK$452/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$926/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,416/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,921
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$433/mo
Today · 4.125%
HK$16,781
baseline
▲ 0.50% · 4.625%
HK$17,665
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,562/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$528/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$1,080/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$506/mo
Today · 4.125%
HK$19,578
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,156/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$679/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,388/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$649/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,327/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,676 · 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).