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$12,046
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$381/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$779/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,604/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,402
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$365/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,870
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,456
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$457/mo
Today · 4.125%
HK$15,362
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$935/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,724/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$438/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,844
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$533/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$19,013
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$511/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,818
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,358
−HK$685/mo
Today · 4.125%
HK$23,043
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,402/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,086/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$656/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,867 · 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).