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$11,887
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$375/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$769/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,264/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,224
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$360/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$734/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,878/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$451/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$922/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,318/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,869
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$431/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,608
+HK$882/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$526/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,076/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,514
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$504/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,029/mo
Deposit HK$1.56M · loan HK$3.65M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$676/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,384/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$647/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,323/mo
Deposit HK$521K · loan HK$4.69M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$117,293 · 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).