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$11,993
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$379/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,520
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,490/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,342
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$363/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,391
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$455/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$930/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$436/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$889/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$531/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$508/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,587
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$682/mo
Today · 4.125%
HK$22,940
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,880/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,015
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$653/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,335/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,335 · 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).