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$11,935
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$378/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$771/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,368/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$361/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$738/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,322
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$452/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$927/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$433/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$885/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,709
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,229
−HK$528/mo
Today · 4.125%
HK$17,757
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,514/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,589
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,087
−HK$506/mo
Today · 4.125%
HK$19,593
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,186/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,483
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,152
−HK$679/mo
Today · 4.125%
HK$22,831
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,662/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$650/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,769 · 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).