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$11,909
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$376/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,312/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,249
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$360/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,736
−HK$452/mo
Today · 4.125%
HK$15,188
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,376/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,899
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$433/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$527/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,046
−HK$505/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,437
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,104
−HK$677/mo
Today · 4.125%
HK$22,781
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,387/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,562/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$649/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,515 · 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).