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$12,097
−HK$758/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$382/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,638
+HK$783/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,710/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,458
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$366/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,516
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$458/mo
Today · 4.125%
HK$15,426
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$939/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,852/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$440/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$897/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,936
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$536/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$1,095/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$513/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,774
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$688/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,408/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,224
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$659/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,346/mo
Deposit HK$531K · loan HK$4.77M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$119,364 · 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).