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$11,916
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$376/mo
Today · 4.125%
HK$12,663
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,326/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$361/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$452/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$16,121
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,908
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,335
−HK$432/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,534/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$528/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$505/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,449
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$678/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,387/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,862
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$649/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,581 · 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).