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$11,980
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$378/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,462/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,327
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$363/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,096/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,823
−HK$454/mo
Today · 4.125%
HK$15,277
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,554/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$435/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,746
+HK$889/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$508/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$681/mo
Today · 4.125%
HK$22,916
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,832/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$653/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,210 · 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).