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$11,889
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$376/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,227
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$360/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,267
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$451/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$922/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,872
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$431/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$526/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$504/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,546
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$676/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$648/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,315 · 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).