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$11,996
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$776/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$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$363/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,134/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,843
−HK$455/mo
Today · 4.125%
HK$15,298
baseline
▲ 0.50% · 4.625%
HK$16,229
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,596/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$436/mo
Today · 4.125%
HK$16,880
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,760/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,795
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,317
−HK$531/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$508/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,731
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$682/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$654/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,335/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,370 · 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).