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$11,975
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$379/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,452/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$363/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,370
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$454/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,200
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$435/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,765
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$530/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,900
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,632/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$507/mo
Today · 4.125%
HK$19,658
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,316/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$681/mo
Today · 4.125%
HK$22,906
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,812/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$653/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,607
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,159 · 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).