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$12,098
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$382/mo
Today · 4.125%
HK$12,857
baseline
▲ 0.50% · 4.625%
HK$13,639
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,714/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$366/mo
Today · 4.125%
HK$14,186
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,372/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$459/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,151
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$440/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$536/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$513/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$688/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,408/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$659/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,346/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,377 · 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).