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$11,900
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$376/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,292/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,239
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$360/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,908/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,280
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$452/mo
Today · 4.125%
HK$15,176
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,352/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,886
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$433/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,660
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$527/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$504/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,420
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$677/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$648/mo
Today · 4.125%
HK$25,117
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,234/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,422 · 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).