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$11,990
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,363
−HK$379/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,518
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,484/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,339
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$363/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,389
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$455/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$436/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$889/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$530/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$508/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$653/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,314 · 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).