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$11,992
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,365
−HK$379/mo
Today · 4.125%
HK$12,744
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,488/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$363/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,803
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$455/mo
Today · 4.125%
HK$15,293
baseline
▲ 0.50% · 4.625%
HK$16,223
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,586/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,438
−HK$436/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,789
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$531/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$508/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,586
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,257
−HK$682/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$653/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,329 · 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).