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$11,974
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$378/mo
Today · 4.125%
HK$12,725
baseline
▲ 0.50% · 4.625%
HK$13,499
+HK$774/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,450/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,321
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$363/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$740/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,082/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$454/mo
Today · 4.125%
HK$15,270
baseline
▲ 0.50% · 4.625%
HK$16,199
+HK$929/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,540/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,985
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$435/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,737
+HK$888/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,698/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,764
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$530/mo
Today · 4.125%
HK$17,815
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$1,084/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,630/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$507/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,036/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$681/mo
Today · 4.125%
HK$22,905
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,394/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$45,810/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$653/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,332/mo
Deposit HK$525K · loan HK$4.73M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$118,154 · 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).