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$12,250
−HK$376/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$768/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$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,217
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$360/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,862/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,257
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,700
−HK$451/mo
Today · 4.125%
HK$15,151
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,302/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,860
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,286
−HK$431/mo
Today · 4.125%
HK$16,717
baseline
▲ 0.50% · 4.625%
HK$17,598
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,434/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$526/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$1,075/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$999/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$503/mo
Today · 4.125%
HK$19,503
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,006/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,050
−HK$676/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$647/mo
Today · 4.125%
HK$25,076
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,152/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,229 · 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).