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$11,993
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$379/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,492/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,343
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$364/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,392
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$455/mo
Today · 4.125%
HK$15,295
baseline
▲ 0.50% · 4.625%
HK$16,225
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,590/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$435/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,791
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$531/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,930
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$508/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,260
−HK$682/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$653/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,335/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,344 · 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).