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$11,997
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$379/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,498/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$364/mo
Today · 4.125%
HK$14,068
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,136/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,396
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$455/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,230
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,016
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$436/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$531/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$509/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,266
−HK$683/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,396/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$654/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,334/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,378 · 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).