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$11,893
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$376/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,278/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$360/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,892/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,272
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,716
−HK$451/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$432/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,650
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$526/mo
Today · 4.125%
HK$17,694
baseline
▲ 0.50% · 4.625%
HK$18,771
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,388/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$504/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$677/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,384/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,816
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$648/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,426
+HK$1,324/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,353 · 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).