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$11,907
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$376/mo
Today · 4.125%
HK$12,654
baseline
▲ 0.50% · 4.625%
HK$13,424
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,308/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,247
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,602
−HK$360/mo
Today · 4.125%
HK$13,962
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,924/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,289
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$452/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$433/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$527/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$504/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,094/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$677/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$648/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,493 · 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).