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$11,891
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$376/mo
Today · 4.125%
HK$12,637
baseline
▲ 0.50% · 4.625%
HK$13,406
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,274/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,229
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$360/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,269
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,713
−HK$451/mo
Today · 4.125%
HK$15,164
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,328/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,874
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$432/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,614
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,464/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$526/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$504/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,404
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,070
−HK$676/mo
Today · 4.125%
HK$22,746
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,492/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$648/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,333 · 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).