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$11,870
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$375/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$767/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,230/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$359/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,838/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,244
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$451/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$921/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$431/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$880/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,618
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$526/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$1,074/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$503/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,027/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,367
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$675/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,408
−HK$646/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,375
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,129 · 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).