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$11,885
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$376/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,222
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$360/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,671
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,262
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$432/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,605
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$526/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$503/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$676/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$648/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,276 · 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).