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$11,892
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$376/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,407
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,276/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,230
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$360/mo
Today · 4.125%
HK$13,945
baseline
▲ 0.50% · 4.625%
HK$14,680
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,890/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,271
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$451/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,876
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$432/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,616
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,649
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$526/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$1,077/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$504/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$677/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,384/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$648/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,323/mo
Deposit HK$522K · loan HK$4.69M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,346 · 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).