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$748/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$377/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,334/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,616
−HK$361/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,954/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,303
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$452/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,912
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$433/mo
Today · 4.125%
HK$16,772
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,544/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$528/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$505/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,455
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$678/mo
Today · 4.125%
HK$22,800
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,388/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,600/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$649/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,613 · 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).