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$11,920
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$376/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$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,261
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$360/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$737/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$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,304
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$452/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$925/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$30,402/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,913
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$433/mo
Today · 4.125%
HK$16,773
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$884/mo
Deposit HK$2.09M · loan HK$3.14M · min. income ≈ HK$33,546/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$527/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$1,080/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$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$505/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,032/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,388/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$649/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$523K · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,619 · 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).