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$11,899
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$376/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,290/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,409 · 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$14,688
+HK$736/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$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$527/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,532
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$504/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,030/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$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,418
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,084
−HK$677/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,827
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$648/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,438
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,409 · 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).