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$11,917
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$377/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,328/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,613
−HK$360/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,300
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$452/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$16,121
+HK$924/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,335
−HK$433/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,652
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$527/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,560
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$505/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,450
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,117
−HK$678/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$24,182
+HK$1,387/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,863
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$649/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,585 · 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).