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$11,974
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$378/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,499
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,448/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,320
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$362/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,080/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,368
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,815
−HK$454/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,985
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,413
−HK$435/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,736
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,696/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$530/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$507/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$681/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$652/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,148 · 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).