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$11,890
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$376/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,227
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$360/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,677
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$451/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$432/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$526/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$503/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$676/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$648/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,319 · 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).