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$11,999
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,373
−HK$379/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,349
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$363/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,140/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$455/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,604/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,019
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$436/mo
Today · 4.125%
HK$16,884
baseline
▲ 0.50% · 4.625%
HK$17,774
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,768/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$530/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$508/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$682/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,673
−HK$653/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,401 · 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).