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$12,011
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$380/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,541
+HK$777/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$25,528/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,362
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$364/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,826
+HK$742/mo
Deposit HK$2.63M · loan HK$2.63M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$456/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$932/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,464
−HK$436/mo
Today · 4.125%
HK$16,900
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$891/mo
Deposit HK$2.11M · loan HK$3.16M · min. income ≈ HK$33,800/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$531/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$1,088/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$509/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,040/mo
Deposit HK$1.58M · loan HK$3.69M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$683/mo
Today · 4.125%
HK$22,975
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,398/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$45,950/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$655/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,336/mo
Deposit HK$527K · loan HK$4.74M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$118,514 · 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).