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$752/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$379/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,464/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,328
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$362/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$741/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$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$454/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,208
+HK$930/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,994
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$435/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,746
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$1,085/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$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$507/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,037/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$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,565
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$682/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,991
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$653/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,333/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,215 · 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).