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$11,872
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,242
−HK$375/mo
Today · 4.125%
HK$12,617
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,234/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,208
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,562
−HK$360/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$733/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$450/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$922/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,850
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$431/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$881/mo
Deposit HK$2.08M · loan HK$3.12M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$526/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$35,328/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$503/mo
Today · 4.125%
HK$19,490
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.64M · min. income ≈ HK$38,980/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$676/mo
Today · 4.125%
HK$22,711
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,381/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,422/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$647/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,321/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,150 · 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).