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$11,976
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$378/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$362/mo
Today · 4.125%
HK$14,043
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,086/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,371
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$455/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,202
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,417
−HK$435/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,767
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$530/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$507/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$681/mo
Today · 4.125%
HK$22,909
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,818/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$653/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,173 · 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).