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$11,915
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$377/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,324/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$360/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,708
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$452/mo
Today · 4.125%
HK$15,194
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,388/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,906
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,333
−HK$432/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,649
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,530/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,681
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$527/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,557
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,055
−HK$505/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,447
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$677/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,387/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,859
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$649/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,567 · 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).