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$11,892
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$375/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$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,229
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$360/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,888/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,270
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$451/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$16,088
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,875
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$432/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,615
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,648
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$526/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,769
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,521
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,018
−HK$504/mo
Today · 4.125%
HK$19,522
baseline
▲ 0.50% · 4.625%
HK$20,551
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,044/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$676/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,384/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$647/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,323/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,339 · 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).