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$11,981
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$378/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,464/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$363/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,098/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$455/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,995
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,424
−HK$435/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$530/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,161
−HK$508/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,566
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$681/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,395/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$653/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,333/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,221 · 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).