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$12,277
−HK$377/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$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$716/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$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$451/mo
Today · 4.125%
HK$15,184
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,368/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$432/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$884/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$527/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$505/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,030/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$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,099
−HK$678/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,385/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$117,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$649/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,456
+HK$1,324/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$117,490 · 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).