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$11,883
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$376/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,256/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,219
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$359/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$450/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$431/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$526/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$504/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$676/mo
Today · 4.125%
HK$22,730
baseline
▲ 0.50% · 4.625%
HK$24,113
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,460/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,795
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$647/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,250 · 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).