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$11,886
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$376/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,264/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$360/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$451/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$922/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$432/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$881/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$525/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,368/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,009
−HK$504/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$676/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$24,121
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$647/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,287 · 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).