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$11,917
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$377/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$360/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,746
−HK$452/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$16,122
+HK$924/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,910
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$433/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$528/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$505/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$678/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,388/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,504
−HK$650/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,325/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,593 · 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).