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$745/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$375/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,280/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,233
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$360/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,894/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$452/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,091
+HK$922/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$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,879
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$432/mo
Today · 4.125%
HK$16,737
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,474/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$527/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,773
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$504/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,030/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$677/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,384/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$648/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,324/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,368 · 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).