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$12,079
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$381/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$781/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,672/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$366/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$14,910
+HK$746/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,328/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,495
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$458/mo
Today · 4.125%
HK$15,404
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$937/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,808/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,558
−HK$438/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,911
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$534/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$19,064
+HK$1,093/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,317
−HK$512/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$20,874
+HK$1,045/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$688/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,405/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$658/mo
Today · 4.125%
HK$25,495
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$50,990/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,187 · 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).