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$11,898
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$376/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,288/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,237
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$360/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,687
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$451/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$432/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$526/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$505/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,029/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$677/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$648/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,404 · 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).