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$13,522
+HK$775/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$118,355 · 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$14,806
+HK$741/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$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,394
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$455/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$931/mo
Deposit HK$2.10M · loan HK$3.16M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$436/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,767
+HK$889/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$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,792
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$530/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$1,086/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,681
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$509/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$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,590
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$682/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$654/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,651
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,355 · 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).