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$11,895
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$376/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,282/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,233
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$360/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,896/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,274
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$451/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$432/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$527/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$504/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,557
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$676/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,385/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,820
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$648/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,430
+HK$1,323/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,375 · 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).