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$12,029
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$380/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$364/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$743/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$457/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$933/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,058
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$437/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$892/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$532/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$1,089/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,734
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$510/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,041/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,652
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$684/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,400/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$656/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,727
+HK$1,338/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$118,691 · 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).