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$11,903
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$377/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,419
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,300/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,242
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$361/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$452/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$432/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,183
−HK$527/mo
Today · 4.125%
HK$17,710
baseline
▲ 0.50% · 4.625%
HK$18,787
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,420/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,539
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,036
−HK$505/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,571
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,426
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,092
−HK$677/mo
Today · 4.125%
HK$22,769
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,538/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,836
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$649/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,453 · 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).