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$12,061
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$381/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,597
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,634/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,417
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$365/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$746/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,284/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$457/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$438/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$894/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$534/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$19,036
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,888/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$511/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$20,843
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$686/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,151
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$657/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,007 · 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).