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$11,914
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$376/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$771/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,322/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$360/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$737/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,297
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,742
−HK$451/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$925/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,905
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,332
−HK$432/mo
Today · 4.125%
HK$16,764
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$884/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,528/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$527/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$505/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,589
+HK$1,030/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$678/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,387/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$649/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,560 · 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).