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$12,115
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,492
−HK$383/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,658
+HK$783/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,478
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$367/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$14,955
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,538
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,990
−HK$460/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$940/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,173
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$440/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,488
−HK$536/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,869
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$513/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,049/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,807
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$689/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,410/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$661/mo
Today · 4.125%
HK$25,571
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,347/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,142/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,542 · 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).