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$12,042
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$381/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$778/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,596/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$365/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$744/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,242/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,451
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$457/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$934/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,076
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$437/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,838
+HK$893/mo
Deposit HK$2.11M · loan HK$3.17M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$510/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,042/mo
Deposit HK$1.58M · loan HK$3.70M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$686/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,401/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$656/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,340/mo
Deposit HK$528K · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$118,826 · 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).