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$12,008
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$380/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$776/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,522/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,358
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$363/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,160/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$456/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,460
−HK$436/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,787
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$531/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,952
+HK$1,087/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,730/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,702
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$509/mo
Today · 4.125%
HK$19,712
baseline
▲ 0.50% · 4.625%
HK$20,751
+HK$1,039/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,424/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$683/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,367
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$654/mo
Today · 4.125%
HK$25,344
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,688/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,484 · 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).