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$11,998
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$379/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,527
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,502/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,348
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$363/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,811
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,138/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,398
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$455/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$436/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$531/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$509/mo
Today · 4.125%
HK$19,697
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,394/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,597
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$682/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,397/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,026
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$653/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,335/mo
Deposit HK$526K · loan HK$4.74M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,391 · 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).