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$11,884
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,254
−HK$376/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,260/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,221
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$360/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,872/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$451/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,866
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$432/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,604
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,446/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$526/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$504/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,057
−HK$676/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,798
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$647/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,268 · 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).