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$11,995
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,368
−HK$379/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,494/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,702
−HK$363/mo
Today · 4.125%
HK$14,065
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,130/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,394
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,842
−HK$455/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,594/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$435/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$890/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$531/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$508/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$682/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$654/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,359 · 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).