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$11,898
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$376/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,288/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,236
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$360/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,902/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$451/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$432/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$526/mo
Today · 4.125%
HK$17,701
baseline
▲ 0.50% · 4.625%
HK$18,778
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,402/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$504/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,561
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$677/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,384/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$648/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,323/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,397 · 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).