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$12,066
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,441
−HK$382/mo
Today · 4.125%
HK$12,823
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$780/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,646/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,423
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$366/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$745/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,298/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,479
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$457/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$937/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$438/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,892
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$534/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$511/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$687/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,404/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$657/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,343/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,060 · 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).