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$12,031
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$380/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$364/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,437
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,886
−HK$456/mo
Today · 4.125%
HK$15,342
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,684/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,061
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$533/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$509/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,329
−HK$685/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$655/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,339/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,713 · 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).