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$11,878
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$375/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,246/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,214
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$359/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$735/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$451/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$921/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,857
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$431/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$525/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$504/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,381
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,046
−HK$676/mo
Today · 4.125%
HK$22,722
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,444/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,786
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$647/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,207 · 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).