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$11,995
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,345
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$363/mo
Today · 4.125%
HK$14,066
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,132/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$455/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,228
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,594/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,014
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$436/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,769
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,758/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,794
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$531/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,933
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$508/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$683/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,342
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$653/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,335/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,363 · 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).