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$12,043
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$381/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$364/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,242/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,451
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$457/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,716/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,077
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$438/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$511/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$685/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,762
−HK$656/mo
Today · 4.125%
HK$25,418
baseline
▲ 0.50% · 4.625%
HK$26,758
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,836/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,830 · 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).