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$11,919
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$376/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,332/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$361/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,303
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$452/mo
Today · 4.125%
HK$15,199
baseline
▲ 0.50% · 4.625%
HK$16,124
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,398/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,911
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$433/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$528/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$505/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,121
−HK$678/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,186
+HK$1,387/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,507
−HK$650/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,607 · 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).