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$11,905
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$376/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,302/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,244
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$360/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,918/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$452/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,893
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$432/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,634
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,502/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$527/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$504/mo
Today · 4.125%
HK$19,543
baseline
▲ 0.50% · 4.625%
HK$20,573
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,086/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$677/mo
Today · 4.125%
HK$22,772
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,544/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$649/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,452
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,469 · 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).