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$11,980
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$379/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,462/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,327
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$362/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,094/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$454/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,206
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,421
−HK$436/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$530/mo
Today · 4.125%
HK$17,823
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,646/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,158
−HK$508/mo
Today · 4.125%
HK$19,666
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,332/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$681/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,395/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,632
−HK$653/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,333/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,206 · 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).