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$11,986
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$378/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$362/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,383
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$455/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,001
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,430
−HK$435/mo
Today · 4.125%
HK$16,865
baseline
▲ 0.50% · 4.625%
HK$17,754
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,730/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,780
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$530/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$508/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$681/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,395/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$653/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,268 · 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).