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$11,879
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$376/mo
Today · 4.125%
HK$12,624
baseline
▲ 0.50% · 4.625%
HK$13,392
+HK$768/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$25,248/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,215
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$360/mo
Today · 4.125%
HK$13,929
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$734/mo
Deposit HK$2.60M · loan HK$2.60M · min. income ≈ HK$27,858/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,255
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$450/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$432/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$525/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$504/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$676/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,382/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,425
−HK$647/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,212 · 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).