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$12,116
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$383/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,660
+HK$784/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,479
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$367/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$749/mo
Deposit HK$2.66M · loan HK$2.66M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$459/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$941/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,175
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$440/mo
Today · 4.125%
HK$17,049
baseline
▲ 0.50% · 4.625%
HK$17,948
+HK$899/mo
Deposit HK$2.13M · loan HK$3.19M · min. income ≈ HK$34,098/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$536/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$1,097/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$514/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,048/mo
Deposit HK$1.59M · loan HK$3.72M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$689/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,411/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$660/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,348/mo
Deposit HK$531K · loan HK$4.78M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$119,557 · 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).