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$11,993
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$379/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,490/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,342
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$363/mo
Today · 4.125%
HK$14,063
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,126/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$455/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$435/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,765
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$531/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$508/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$682/mo
Today · 4.125%
HK$22,941
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,882/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,015
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$654/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,337 · 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).