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$11,884
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$376/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,258/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,221
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$360/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$451/mo
Today · 4.125%
HK$15,155
baseline
▲ 0.50% · 4.625%
HK$16,077
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,310/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,865
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$432/mo
Today · 4.125%
HK$16,722
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,444/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$526/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$504/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,391
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$676/mo
Today · 4.125%
HK$22,732
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,464/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,797
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$648/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,405
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,262 · 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).