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$12,100
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,476
−HK$382/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,641
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,716/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$366/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$748/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,376/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$459/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$440/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$535/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,845
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$512/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,047/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,779
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$688/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,409/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$659/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,392 · 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).