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$11,913
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$377/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,430
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,320/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,253
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$361/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,938/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$451/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$16,116
+HK$925/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,903
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$432/mo
Today · 4.125%
HK$16,762
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$884/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,524/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$1,079/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$505/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,109
−HK$678/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$24,174
+HK$1,387/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,855
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$649/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,469
+HK$1,326/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,545 · 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).