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$11,991
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$379/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,518
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,486/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,340
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$363/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,389
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$455/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$435/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$531/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$508/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$682/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,395/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$654/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,317 · 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).