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$11,882
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$375/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,219
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$360/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$451/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$432/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$881/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,635
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$525/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,754
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$999/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$503/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,388
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$676/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$24,112
+HK$1,383/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$648/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,247 · 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).