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$12,062
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$381/mo
Today · 4.125%
HK$12,818
baseline
▲ 0.50% · 4.625%
HK$13,598
+HK$780/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$25,636/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,419
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$366/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$745/mo
Deposit HK$2.64M · loan HK$2.64M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$458/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$936/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,102
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$438/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$895/mo
Deposit HK$2.12M · loan HK$3.17M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$533/mo
Today · 4.125%
HK$17,945
baseline
▲ 0.50% · 4.625%
HK$19,037
+HK$1,092/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$35,890/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$511/mo
Today · 4.125%
HK$19,801
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,044/mo
Deposit HK$1.59M · loan HK$3.70M · min. income ≈ HK$39,602/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$687/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,403/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,153
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$657/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,342/mo
Deposit HK$529K · loan HK$4.76M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$119,017 · 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).