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$11,982
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$379/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,508
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,466/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$363/mo
Today · 4.125%
HK$14,050
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,100/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,378
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,825
−HK$455/mo
Today · 4.125%
HK$15,280
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,560/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$436/mo
Today · 4.125%
HK$16,860
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,720/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,296
−HK$530/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,911
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,661
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$507/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,706
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$681/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,395/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$652/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,333/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,227 · 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).