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$753/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$380/mo
Today · 4.125%
HK$12,750
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,500/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,347
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$363/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$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,845
−HK$454/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$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,016
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$435/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$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$530/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$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$508/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$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$682/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$653/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,381 · 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).