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$11,910
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$377/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,314/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$360/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$452/mo
Today · 4.125%
HK$15,188
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,376/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,899
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,326
−HK$432/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,642
+HK$884/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$527/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$505/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$677/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$649/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,519 · 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).