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$11,883
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$376/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$768/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,258/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,220
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$359/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,260
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$450/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$922/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,864
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$431/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$882/mo
Deposit HK$2.08M · loan HK$3.13M · min. income ≈ HK$33,442/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$526/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$503/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,028/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$676/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$648/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,404
+HK$1,322/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,258 · 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).