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$11,901
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$376/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,294/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,240
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$360/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$735/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,910/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,281
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$452/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,888
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$432/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,629
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$527/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$1,077/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$504/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,088
−HK$677/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,385/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$649/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,443
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,430 · 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).