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$11,906
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$376/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,304/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,245
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$360/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$452/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$923/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$433/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$883/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$527/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$505/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.65M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$677/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$24,160
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$649/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,324/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,477 · 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).