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$11,990
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,363
−HK$379/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,517
+HK$775/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,484/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,339
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,697
−HK$362/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$454/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$931/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$435/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$890/mo
Deposit HK$2.10M · loan HK$3.15M · min. income ≈ HK$33,742/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,786
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$531/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$1,085/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,674
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$508/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,721
+HK$1,038/mo
Deposit HK$1.58M · loan HK$3.68M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$682/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,396/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$653/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,334/mo
Deposit HK$526K · loan HK$4.73M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$118,310 · 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).