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$11,984
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$379/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,511
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,472/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,332
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$362/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,793
+HK$741/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,104/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,381
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$455/mo
Today · 4.125%
HK$15,283
baseline
▲ 0.50% · 4.625%
HK$16,213
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,566/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,999
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,428
−HK$435/mo
Today · 4.125%
HK$16,863
baseline
▲ 0.50% · 4.625%
HK$17,752
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,726/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$530/mo
Today · 4.125%
HK$17,830
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,660/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,665
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$507/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,037/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,571
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$682/mo
Today · 4.125%
HK$22,924
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,395/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,848/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,998
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$652/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,251 · 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).