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$11,881
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$375/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,395
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,252/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,218
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$360/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,864/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,257
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$451/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$921/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,861
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$431/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,599
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$526/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$504/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$676/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$647/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,236 · 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).