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$11,904
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,300/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$360/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,285
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$452/mo
Today · 4.125%
HK$15,181
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,362/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$432/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,666
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$527/mo
Today · 4.125%
HK$17,711
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,422/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$505/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$677/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$648/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,460 · 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).