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$11,894
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$376/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,280/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$360/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,892/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,272
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,716
−HK$451/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,878
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$432/mo
Today · 4.125%
HK$16,736
baseline
▲ 0.50% · 4.625%
HK$17,618
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,472/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$526/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,524
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$504/mo
Today · 4.125%
HK$19,525
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,050/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,409
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$676/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,384/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$648/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,323/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,359 · 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).