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$11,986
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$379/mo
Today · 4.125%
HK$12,738
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,476/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,335
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$363/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,796
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,110/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,383
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$454/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,216
+HK$931/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,001
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$435/mo
Today · 4.125%
HK$16,866
baseline
▲ 0.50% · 4.625%
HK$17,755
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,732/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$508/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,575
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$682/mo
Today · 4.125%
HK$22,928
baseline
▲ 0.50% · 4.625%
HK$24,323
+HK$1,395/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,856/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$653/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,272 · 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).