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$748/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$377/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$772/mo
Deposit HK$2.62M · loan HK$2.62M · min. income ≈ HK$25,366/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,762 · 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$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$453/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,146
+HK$926/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$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$433/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$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$528/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$1,081/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$506/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,033/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$679/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,389/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$650/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,518
+HK$1,328/mo
Deposit HK$523K · loan HK$4.71M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$641K (deposit + AVD stamp duty HK$117,762 · 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).