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$11,987
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$379/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,478/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,336
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$362/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$455/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,217
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,003
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$436/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,757
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$531/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$508/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,577
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$682/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,326
+HK$1,395/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,005
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$654/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,635
+HK$1,333/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,285 · 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).