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$11,971
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$378/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,444/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,318
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$363/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,366
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$454/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$928/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,982
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,410
−HK$435/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,733
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$530/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,145
−HK$508/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,689
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,549
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$681/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,393/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,973
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$653/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,126 · 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).