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$11,899
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$376/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,290/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,237
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$361/mo
Today · 4.125%
HK$13,953
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,906/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$526/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,532
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$505/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,029/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,418
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,084
−HK$677/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,827
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$649/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,438
+HK$1,323/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,410 · 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).